BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-03
Company: Navient Solutions, LLC.
State: NE
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:
Here are my notes from this dispute ... navient says i have A {$5000.00} loan dispirited to XXXX in which i was unaware of, XXXX never received, it is not on the national student loan website and there is no promissory note for this loan provided. It is ruining my credit score!!!! On top of that, i did have a {$2500.00} loan for XXXX University which i knew About, was applied towards XXXX and XXXX ( what was left over i only Attended XXXX for one semester ), i have And was provided a promisorry note on both sides and is on the national student loan website. They took my payments and dispersed my payments to both loans showing i never Paid off my original loan even though i did. Forced me into forbarence and did not offer me a repayment program due to my income without my knowledge. Ive disputed this with them and ombudsman group and i am Taking further action due to my age, family, income, and credit score diminishing due to this frustration. I just Want the loan removed as i never Signed for it, was granted it ( my parents make too much money ) and never received the loan!

Student LOAN Ombudmanson says there is a promissory note false signature file dispute they say there is a note through navient for a promissory note but none has been provided or found when asked from navient XXXX navient ask for promissory note for XXXX loan and dispute for a false signature case XXXX if they dont resolve it call ombudmanson back XXXX dispute : XXXX received promissory note for XXXX XX/XX/XXXX XX/XX/XXXX ombudmanson group case number : XXXX XX/XX/XXXX feedback.studentaid.ed.gov case number XXXX submitted dispute 1-15 days pw : XXXX! 
called XX/XX/XXXX to follow up because i did not hear from someone transferred to ombudsonsens group - closed with emailed me on the XX/XX/XXXX- complaint case number need to call the ombudmansons group again - XXXX XXXX XXXX XXXX ombudmanson group new case number XXXX studentaid.gov/ombudmanson sending forward today contacting in 7-10 business days Gave up due to navient lawsuit in progress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion and XXXX  are both reporting 4 hard inquiries to my credit report as I shopped for a mortgage refinance. Two if not three of these inquiries should be removed. 



Name Requested On XXXX XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/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 2017-08-03
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: Credit inquiries on your report that you don't recognize

Complaint:
On    XXXX   XXXX   , 2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, I attempted to make a purchase via XXXX XXXX. It was during the review of my credit file that I learned of a freeze via a PIN. I have never ever put a freeze via Transunion  but several years ago, I did prevent access through XXXX. The problem is upon visiting Transunion  website much information is being advertise regarding this PIN. My question is how does Transunion  possess so much power that they can apply PINs without the consumer 's request. And, by doing so, never communicated such information to the consumer. My purchase through XXXX XXXX was hindered because of this PIN. Transunion site does not permit easy access to removal of such PIN without encountering a product that they seek the consumer to purchase.

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 2018-02-05
Company: EQUIFAX, INC.
State: GA
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:
spoke with Equifax on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on Equifiax and Transunion XXXX Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I advised ARS Account Resolutions that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. One of the items is for {$58.00}! When calling the company today they advised they will not remove the debt and I need to pay it or charges will be filed against me. I want all 3 items removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.

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 2019-09-18
Company: SCS Credit Corporation
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: Account status incorrect

Complaint:
XXXX refuse to remove two accounts from my credit report that has been filed and discharged in a bankruptcy as of XX/XX/2019. Both accounts SCS CREDIT and XXXX XXXX are closed accounts while discharged in the bankruptcy the two accounts should not still be showing on my credit. These accounts are negatively affecting my credit score. XXXX dispute result stated that I filed for a dispute in XXXX for the two accounts, but the bankruptcy had not been discharged yet. Now, XXXX refuses to let me dispute these two accounts again. SCS credit Corp and XXXX XXXX are included in the public record located on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Charleston Area Medical Center
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2017 I sent a certified letter to the company asking for them to validate the alleged debt. Company did not respond, or send any proof of alleged debt. They still continue to report to the credit bureaus without validating alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do n't know who the DEBT originated from. 

I only get 25 hours with XXXX XXXX with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! 

I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX {$450.00} per month and the leftover is {$550.00} per month or Annual Salary of {$6600.00}. Since this is my livelihood is {$6600.00} per year ; I will get a negative balance of {$6600.00} - $ XXXX XXXX! 

I ca n't pay the $ ( XXXX ) since I am negative!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
There was no sub category for this issue. My complaint is against Equifax. I have been battling for months to get a fraudulent debt removed from my credit report. Equifax knew this debt was fraudulent but refused to remove the companies, XXXX XXXX XXXX, trade line from my credit report. Equifax finally removed XXXX XXXX trade line from my credit report yesterday. Before Equifax removed this fraudulent debt from my credit report my credit score with Equifax was XXXX. Now its XXXX. I had a collections account in the amount of {$800.00} removed from my credit report and my credit score only increases by 4 points. Equifax is deliberately keeping my credit score low to retaliate against me for filing the complaints against them that I filed. Equifax is mad at me because I exposed their lies and shined the spot light on their illegal activities. Equifax lied and said they had received additional information from the original creditor of the fake debt XXXX XXXX made up and submitted to them to scam me out of {$800.00}. They claim this information validated this fake debt. I submitted a letter to Equifax from the original creditor that said I was not responsible for this debt. There is no way Equifax received this additional information they lied about receiving. After I exposed this lie and they were forced to remove XXXX XXXX XXXX trade line from my credit report they got mad. I also filed a compliant with the GA Attorney Generals office letting them know Equifax is aiding and abetting in a crime. Now Equifax is retaliating against me by keeping my credit score low. There is no way my credit score only increased by 4 points when I not only had a collections removed but my debt decreased by {$800.00}. I am sending copies of these complaints to my lawyer who is in process of filing a civil suit against Equifax and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: WI
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. 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 XXXX, XXXX Company Inquiries : 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 2017-12-07
Company: Early Warning Services, LLC
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: Received unwanted marketing or advertising

Complaint:
The following entities have accessed information unauthorized : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
While reviewing my PayPal account online I noticed I was charged a late fee, even after making my payment on the due date. I reached out to synchrony who then advised me that even though I have a due date of the XXXX of each month you have to pay your payment a couple days before your due date in order not to receive the late fee. The agent XXXX and supervisor XXXX both told me there is nothing they can do regarding the late fee. I asked when will this report to my credit and after not answering my direct question several time the supervisor told me that my balance will be reported on XX/XX/XXXX which it will affect my credit because the late fee is making my account go over the credit limit. This is not fair!!

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 2018-10-06
Company: Nelnet, Inc.
State: CA
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 the victim of a student loan scam. On XX/XX/18 I received a letter in the mail that said it was the final notice for student loan consolidation and Payment Reduction Program. I called the number ( XXXX ) on XX/XX/18 and ended up giving him my FSA ID password, thus he was able to login to my account and see my personal details, including the last 4 of my SSN, date of birth, home address, etc. After getting off the phone it felt suspicious so I XXXX  the number and it showed up as a scam. I am worried about what he can do with this information and will be freezing my credit score at all 3 credit agencies and signing up for an identity theft protection service. I would also welcome any advice on other things I can do to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: MN
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 recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Contacted Apple Card regarding dispute on XX/XX/2020. On XX/XX/2020 Apple Card email me for additional information and response was given via replying to their email. I contacted Apple Card the week of XX/XX/2020 and was told the dispute is in second stage. On XX/XX/2020 Apple card email me to state the the dispute was no in my favor. I contacted Apple card by phone several time and was told that they never got my email with information that they needed. Apple card also told me that they got information from the merchant that sounded very suspicious, and my request for such information has been denied. My request to reopen the case was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: NC
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:
I was a cosigner on my mother 's car her last payment was made on XX/XX/XXXX her car was traded on XX/XX/XXXX the dealership that she traded her car and did not send the payment for the card that she traded in to XXXX XXXX XXXX until XX/XX/XXXX therefore my mother didn't make a payment for XXXX because her car had already been traded on my credit report they're stating that she missed her XXXX payment when she never had a car below I have put inside the documents the date she traded the car in the date that the check was sent

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 2021-05-23
Company: Access Receivables of NC Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent the below letter to Access Receivable Management XXXX XXXX XXXX XXXX to verify a medical debt and they didnt provide proper verification to verify debt. I didnt sign anything releasing my information to be released from XXXX XXXX to a third party which revealed my personal medical history. They are suppose to give me 30 days to dispute the validity of the debt which I never received ... this is improper collection tactics. 
... ... ... .. : : : : : : : : : : : : : : : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Total Card, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have an acct with Total Visa. I paid my balance in full and have not been able to use my card or log in to my acct online and when attempting to call them it is an act of congress to speak to a supervisor or someone in proper charge to resolve acct issues. This company now has this showing negative on my credit report. 

Below are reviews from other costumers from XXXX XXXX. 

XX/XX/2018 XXXX Cardholder They are not here to help, they are here to exploit the down on your luck type of clients. 

XX/XX/2018 Less than XXXX XXXX XXXX Cardholder I got this card to help build credit, but it has done absolutely nothing for me. They charge fees right off the bat, just to activate your less-than-average credit limit. I had a fraud charge, and they require a police report, affidavit, and notarized form just to investigate - don't plan on speaking to anyone about for at least two weeks, since they're so " busy ''. I highly recommend going with other available options for bad credit, avoid these guys at all cost. 

XX/XX/2018 XXXX Cardholder On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. Luckily, I had other funds on my. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payment has never been late, missed, and I always pay in full. 


Even when you pay your bill they make it hard for you to use your card and then report negivitve on your credit. I am asking for someone to help here as this company is taking advantage of customers and making it hard for customers to manage there acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Complaint ID XXXX On my first complaint I only mentioned about the escrow account problems Fay Servicing was charging me 3 times the actual real estate tax. 
1 Now I also find out that the Fay servicing did not pay for my homeowner Insource whereas they have enough money in my escrow account and they again showed falsely paid by them. 
Copy of my Insurance agent letter stating that fay did not pay for insurance ( annexure A ) is attached I paid the insurance bill copy attached ( annexure B ) Now there is no sense for Fay Serving to collect escrow from me I can pay my Insurance and real estate by myself.

Company response to consumer: Closed with explanation