BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX Dear XXXXureau of Consumer Financial Protection : I am hoping for your assistance with a matter which, I fear, will turn problematic in the near future. It involves my optometric practice and its relationship with an institution known as EverBank Financial, which may have formerly been a subsidiary of XXXX XXXX XXXX and is now owned by a finance and banking company which goes by the name of TIAA , FSB. I have been informed that the EverBank nomicker still exists under the control of TIAA , FSB. 

Three years ago XXXX XXXX of XXXX ), I entered into an agreement with EverBank to purchase a piece of examination equipment. This agreement was facilitated by the manufacturer of the instrument, XXXX XXXX. To my understanding ( and also to the understanding of the XXXX representative ), my agreement with EverBank was to be a loan, one which could be paid off in advance if I so desired. 

On XXXX XXXX, XXXX, I took advantage of that option. I made a lump sum payment to EverBank to the exact penny of what EverBank said I owed if I was to pay in full ahead of schedule. Any final lump sum payment to pay off my debt was to be done at a discount from that which I would have to pay were I to continue with payments. I have that very specific documentation in an email from EverBank because I requested that information in order to make the proper payoff payment. [ I will gladly provide this evidence as well as a detailed expose of the bullying manner in which I have been treated by EverBank from the time our relationship commenced, if requested. I have pages upon pages of documentation ].
My obligation to EverBank is now fulfilled. Nevertheless, I continue to receive monthly statements from them in which they subtract the normal monthly payment from my large credit balance. 

My suspicion is that when EverBank makes the debit which finally zeroes my balance, they will find that I still owe a substantial amount of money. They have never been forthright and honest with me and do not know why it should be any different at that point. 

What I want right now is a letter which dismisses my obligation, a so-called Paid in Full notification. This is something which EverBank has been unwilling to provide, in spite of repeated requests through registered mail. I have never even received a response. 

Would you please help me get what is only right that they provide? I would greatly appreciate your assistance in any way you can. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I received a notice dated XX/XX/2019 from Bank Of America that they are closing with 21 days my checking and savings the 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 2017-11-04
Company: Paypal Holdings, Inc
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal has froze money on our account. 
We opened Paypal back in XXXX XXXX and had been using it with no problems until the end of the year. After a year the froze my money on our account with this explanation " fake ID uploaded when account was opened ''. They told us to wait 180 days and then we can get the money, 180 past and we can not take the founds ( {$490.00} XXXX from the account. 
Driver license had been issued by the state of XXXXt and can not be " fake ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2021 I sent a letter for inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that late payment be deleted immediately or I will file for litigation.

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 2017-11-04
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have complained several times because of this Navient. They are the biggest criminals out there period!!! 

After complaining about payment distribution troubles and unknown charges and having made so many payments in the last years and principal balance not going down they said I need to make larger payments. 
So after hearing this I decided to have my family help me and I made a payments last month for XXXX dollars then XXXX dollars a few days ago XXXX dollars. Having said that, Navient has realised that I am making larger payments so they decided delaying the payment processing on purpose. When I was making my payment a few days ago my balance was XXXX dollars less. Because of this delay now its more as you can imagine so they are delaying the processing so that more money of my payment goes towards interest. There is no reason why payments made electronically should be delayed for several days XXXX days to post those XXXX days cost me money in interest everytime. I have made a payment on tuesday today is saturday my payment has still not posted i have checked everything with my bank and all is ok it seems that it is just them delaying it. Besides that i have always made payments the same way though the same bank and have never had trouble before so dont know who or why my payments are delayed suddenly now after i am making larger payments. I have talked to Navient and they said that it sometimes takes a longer time to post payments and they cant control that. I was told they cant do anything which is incorrect and my according to my attorney they can not do that. I have a credit card with citi when I make a payment through my bank online it applies immediately. Why does Navient not have something like that and if not fine but then at least give me a credit back for the days it took you to process my payments because you can imagine how quickly this business can start to earn money imagine if they only took a dollar per delay to how much that adds up to. If they are truly that what they claim they are and if they want to help students pay off their student loans faster then dont take money from students. Shame on you!!! This is just one example of the so called micro-theft you do to students thinking people are stupid they will not realise when you take a few bucks from them. So sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I just received the results of a dispute I had put in withXX/XX/XXXX credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XX/XX/XXXX ... ..XX/XX/XXXX ..and XX/XX/XXXX do not belong on my credit report. I have uploaded proof that equifax had done there investigation and it was confirmed to remove these accounts off my credit report. However XX/XX/XXXXI feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my XX/XX/XXXX credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and XX/XX/XXXXwill not remove them. I am submitting this complaint about XX/XX/XXXXbecause they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and XX/XX/XXXXwill not allow me to do so. This is my right to have correct information reporting on my credit report.

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 2021-10-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I DID NOT OPEN ANY ACCOUNT WITH COMENITY BANK! THIS HAS BEEN EFFECTING MY CREDIT SCORE SINCE XX/XX/2019. I NEED THIS CLEANED UP! 

Alleged amount due : {$490.00} Payment Status-Collection/Chargeoff Account Status-Derogatory Amount Past Due-Not Reported Account Details Original Lender : 01 COMENITY BANK Account Type-Not Reported Responsibility-Individual Age Of Account-2 Years, 0 Months Credit Limit-Not Reported Highest Balance/ {$550.00} Payment Details : Amount Past Due-Not Reported Date of Last Payment-Not Reported Monthly Payment-Not Provided Payment Frequency-Not Reported

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Account showed in collections that did not belong to me. Disputed and they closed it the next day and did nothing to fix the problem. I have sent letter to collections agency and Transunion. Letter below XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX Transunion Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with XXXX XXXX XXXX XXXX XXXX on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.

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 2019-04-17
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt was paid!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
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: Account status incorrect

Complaint:
I just received the results of a dispute I had put in with experian credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX ... ..XXXX ... ..and tXXXX XXXX XXXX XXXX do not belong on my credit report. I have uploaded proof that XXXX had done there investigation and it was confirmed to remove these accounts off my credit report. However experian I feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my experian credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and experian will not remove them. I am submitting this complaint about experian because they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and experian will not allow me to do so. This is my right to have correct information reporting on my credit report.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-11-04
Company: PlusFour, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a bill from a doctor who claims I owe, I disagree. I am requesting an investigation with dates, charges, procedures, insurance notification and insurance charges both, and what this bill is for. I have not been sent a bill, therefore this needs to be cleared and off my credit report because it is causing my score to be lower than it should be, and also getting denied from creditors, plus the only collection on my report. 

Also, in the state of Arizona, where I reside, the statue of limitation is 5 yrs. and this has been on my credit report at least six ( 6 ) years or more. I have disputed this with the Credit Departments with no avail and in hopes you will help me out on this. All they have said is the consumer does not agree and wo n't remove it from my credit report. 

Your attention to this matter will be appreciated and hopefully successful. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: LA
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:
In XXXX of XXXX, XXXX XXXX XXXX obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by XXXX XXXX XXXX. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Debt Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
North Carolina Statute of Limitations on Debt Collections If you are living in North Carolina, consumer debt has a statute of limitations of three years. 
The collections on my account dishonor the North Carolina statue of limitations. Requesting removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Southern Auto Finance Co
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company that I have an issue with is SAFCO. I voluntarily turned my vehicle in to this company and was actually in good standing with the company but due to mechanical issues ( after a major engine recall ) I had to make that choice. To date I continue to receive notification that SAFCO falsely reports that I am missing payments, and they report to the three credit bureaus every month that I am late with my payments when in fact the car was sold at auction and written off as a charge off. Also, SAFCO is reporting to the credit bureaus that I owe XXXX, XXXX, however note in the enclosed document the amount is XXXX, XXXX. This information is false as I stated earlier. 

I recognize that in accordance with the Fair Credit Reporting Act, SAFCO acct # XXXX, has violated my rights to privacy according to 15 U.S.C 1681 as well as, 15 U.S.C 1681 Section 604 A Section 2, due to the fact that a consumer agency can not furnish an account without my written instructions to which I did not consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Lending Club Corp
State: PA
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:
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LENDCLUB BNK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: MRS BPO, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH MRS XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Navient Solutions, LLC.
State: MA
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 been misled and misinformed about the forbearance and deferment of my Navient student loans. My original principles on my loans have SKYROCKETED from $ XXXX to $ XXXX and from {$8600.00} to $ XXXX. 

That's approx. {$11000.00} that has accrued on top of my original principal. 

I have been unemployed on and off for the better part of 5 years. I have notified Navient several times and have even applied for loan discharge and wasn't properly notified about how to best go about this. 

This is highway robbery in an already convoluted industry that is stealing students ' money who can not afford to repay their loans in an affordable or otherwise pragmatic manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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