BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-31
Company: Navient Solutions, LLC.
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:
My loan company is Navient, and as we know already Navient has had some serious issues in the repayment aspect of student loan borrowers. Navient has only tried to contact me through my school email, never once sent anything to my home address ( as they legally should ) and never once contacted me on my phone. They actually stated on the phone call that they had my sisters number as a contact because they only reach out to those that may have contact with me, but she never had any loans through them. 
The only reason I finally reached out to them was because I take my credit score very seriously, and learned of " serious deliquences '' that happened to be from Navient. 
I have another loan company, XXXX, who has contacted me and sent information home, in writing, to help with every step of the way, from deferrment to repayment. 
I am not asking for loan forgiveness, but I believe that Navient purposely hid this loan from me in order to have my interest shoot up, and in turn hurt my credit score, which hurts my personal life all for their gain. 
Lastly, on the phone they pushed for me to go into forbearance as they had with many people in their case in order to help them gain money. 
I did so because it seemed to be my only option and it was before I read up on the case against the entire company. 
I would like the interest forgiven and for them to put my payments back into a constant payment plan, and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened in my name approximately XX/XX/2018 through XXXX XXXX. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX.I was  not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called XXXX XXXX . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to XXXX on XX/XX/2018 requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: IL
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 have written XXXX  and Equifax several times regarding my credit report ( XX/XX/2019 ). I have requested that the following credit reporting agencies remove incorrect information and accounts showing on my credit report. I I have requested that the following accounts be removed immediately due to the information being incorrect and does not belong to me. I have also requested that the agencies provide me with their method of verification and proof of contracts from the following accounts : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$3800.00} ), XXXX XXXX ( {$280.00} ) and XXXX XXXX XXXX ( {$680.00} ). XXXX  and Equifax has failed to provide me with proof of contract and has not removed the following accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: MO
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:
I was a victim of Identity theft. I submitted my documentation : ID verification in the form or Drivers License, Social Security Card, Utility Bill, a copy of my FTC Identity Theft Report, A copy of my City Police Report and the accounts listed that I did not Open or was responsible for. My Attorney made me aware of the 4 Business day requirements that the Bureaus must comply by when theft is involved so I sent next day Certified Mail and even enclosed a copy of that law from the FTC. XXXX was the only Bureau that complied with the legal requirements to block this information. They did it in One Business Day. I have continued to have problems with both XXXX and Experian during this whole Nightmare. They send delay messages saying " they need more time to investigate. '' I have my tracking information with dates they signed for my last round of disputes. I am requesting your help in filing Suite against both XXXX and Experian for failure to block this harmful information from my credit files and failing to comply with the law. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have tried telephone calls but they are routed to a call center in XXXX I believe and the language barrier is impossible for me to get any 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 non-monetary relief
Consumer complaint received 2018-11-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
( 1 ) Background : I withdrew a total of four $ XXXX student loans ( $ XXXX total ) for school, two of which were from Wells Fargo ( $ XXXX + $ XXXX = $ XXXX total from Wells Fargo ). 

( 2 ) History : I had to leave my university due to unforeseen health issues, and continued & completed my education at a local college. This was when I pulled out the two Wells Fargo loans, with the intention of completing local college & going onto a 4-year degree & XXXX XXXX XXXX. 

( 3 ) Change of events : Due to my time in & out of school ( due to medical issues ), my repayment terms changed at Wells Fargo, and my interest rates on both Wells Fargo loans ballooned above 14 %. My other student loans are half that rate ( for the same original amount withdrawn ) ( 4 ) Payment history : To Wells Fargo, on the two $ XXXX loans combined ( $ XXXX total ), I have already paid back over $ 125k ( {$120000.00} to be exact ) and currently owe {$87000.00}. I feel this is predatory lending practices. So not only do I still essentially owe the original $ XXXX, but also $ XXXX more on top of that, despite having paid back over {$120000.00}. Wells Fargo lent me $ XXXX and has made an additional {$76000.00} profit off off me, so not only have I paid back the original loan amount, but more than $ 75k on top of that - more than double the original loan amount! 

( 5 ) Note on interest : On both of my loans, my interest is more than double the principle. I pay over {$1500.00} a month combined. 

( 6 ) Other student loans : In comparison, my other two $ XXXX loans from other companies are {$200.00} a month and {$260.00} a month, respectively, for a total of {$460.00} a month. Wells Fargo is surcharging me over {$1000.00} a month over what my other loans are ( same original principle ).

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 2018-04-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Back in XX/XX/2017 i opened a bank account online with TD bank. On XX/XX/2017 i went into the XXXX XXXX branch to deposit XXXX. The clerk at the bank advised me to sit and speak to another bank associate so that i could get an ATM card given to me. The bank associate asked me to write down my date of birth and social and to give her my id so i did. She then went to the back to make copies and came back a short time later. She went back a second time and then returned with my ATM card. 
On XX/XX/17 i deposited another XXXX into the account. 
on XX/XX/17 two person 2 person fraudulent transactions were made from my account. on XX/XX/17 two additional fraudulent transaction were made again and on XX/XX/17 an additional 2 fraudulent transactions were made. in 3 days a total of {$9300.00} were stolen from my account. i filed a claim and it was denied i was advised to resubmit a claim with a police report and i did. i was contacted by a detective from TD bank ( i have the voice message he left ) statin that the claim was denied because " he thinks '' the transactions were made from my IP address but that he's no sure exactly while it was denied. i have tried getting in touch with him with no success. i have left countless messages for him, have gone into the branch and have just been told that there is nothing i can do. i have never been given any proof or official reasoning as to why my claims were denied. i have called to speak to his supervisor and was told his supervisor was unavailable but will be notified via email as to what was going on. i still have not heard from anyone at TD and have been left without anyway to get my money back. TD has been so irresponsible in not tending to this issue and contacting me or reaching out to me. i have that one message from XXXX and have never heard from anyone else or received any papers or notices regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: KS
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:
Ive attached a list of all XXXX XXXX  issued under my MPN. Ive also attached a copy of the original XXXX. Ive disputed XXXX XXXX XXXX multiple times with because the account is fraudulent. XXXX and Experian agencies have chosen to keep the account on my report while never requiring any proof from XXXX as to the validity of the information they allege is accurate. The complete list of every loan disbursed is attached. I dare you to find that loan on this list. The list by the way is directly from the XXXX. I want the account removed immediately! The creditor has not once provided proof that loan XXXX was issued under my XXXX it is fraudulent!

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 2021-08-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIAN DOES NOT WANT TO DO ANY DISPUTE MORE THAN ONE TIME.NO MATTER WHAT DEVELOPS, NO MATTER WHAT EVIDENCE IS PRESENTED, NO MATTER IF THE ACCOUNT BECAME CLOSED AND PAID THEY WILL CALL ANY SECOND DISPUTE BY ANYONE ANYTIME FOR ANY REASON ... FRIVOLOUS ... THEY STAND BEHIND THE FCRA THEN THEY BREAK THOSE LAWS CONSTANTLY ... THEY SHOULD BE REMOVED AND REPLACED BY XXXX OR ANY RESPONSIBLE BUREAU AND NO LONGER BE A BIG THREE MEMBER.THEY HAVE PROGRAMMED THE FRAUDS ON CONSUMERS INTO THEIR AUTOMATED SYSTEMS AND WILL CONTINUE UNTIL LAW ENFORCEMENT, THE CFPB OR CONGRESS STOPS THEM. THEY HAVE NOT A SHRED OF INTEGRITY LEFT AS A FUNCTIONOING COMPANY AND SHOULD BE FINED EVERY SINGLE TIME THEY BREAK THE LAW UNTIL THEY DECIDE TO STOP BREAKING THE FCRA.

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 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
These are Fraudulent accounts that I have proven that have came back on my report. Please Remove immediately. My personal information was stolen as i stated before.These are not mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Asset Recovery Group, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to asset systems ( the debt collector ) I had gone to XXXX XXXX hospital back in XXXX. I honestly dont recall going bit apperently I was served papers in XXXX of XXXX for a garnishment suit. They explained that I was served at XXXX by a 3rd party carrier though no signature from myself was required. I attested that I never received anything from them. The debt amount in question is XXXX. 
A few days ago I received a letter in the mail stating that I was being garnished starting on XX/XX/XXXX. I checked my credit report and have never seen a bill on there for said amount. When I called them to find out about the debt I was told that I had given numerous excuses why I couldn't pay my debt. One such excuse was that I couldn't talk because I was driving. I am visually impaired and can not obtain a valid driver 's license. It felt like falsified information. After the agent was no help, I asked for the supervisor. I was told that my deadline to dispute the debt ended in XXXX. If I had actually heard from them in the past decade, I would have tried to fix any problems that arose, since I did not hear from them, I had no idea I even had a debt. It's clear that they spoke with someone, but it wasnt me. Up until a few days ago I had no idea the company even existed. I was also told that they would garnish me for 90 days BEFORE they would allow me to make payment arrangements. I had asked for the managers desk phone and the supervisor said that she would not be in until Thursday of this week. ( Yesterday ( I  left a voicemail requesting the original bill and have not received any correspondence from the manager. 

I just want to get to the bottom of this, if it's a fair debt I will pay it, but too many things dont add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: BBVA FINANCIAL CORPORATION
State: MD
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 have credit card from BBVA compass.

I did setup auto pay on the app.

But it does not work, then I went to the bank center and they fix it but still not working. But the time I miss payment because the only way pay at bank center or pay phone. And that time Im out of the county. When I back I pay off because they dont let me pay by the app or online.

They keep charge the late fee even Im pay on time by setup auto pay. 
They said the will refund the late but they dit not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
They wont approve me For my credit card Ive applied so many times its like they hate me and my credit ridiculous! This bank should be out of business

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 2021-04-22
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:
On XX/XX/2021 I sent certified letters to ARS ACCOUNT RESOLUTIONS requesting that they validate the debts that they have placed on my credit reports. They have violated several of my consumer rights. Failed to validate a debt at my request. They have continued to report a disputed debt .I requested that they follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature what they sent me does not validate per my request account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: MO
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 & XXXX ( XXXX ) U S DEPT OF ED/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-09-25
Company: Williams & Fudge, Inc
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX will not respond to my requests. XXXX XXXX hung up on me when I told her that I lost my job due to covid and was making a lot less than what I was and told her I couldnt afford the payments they were wanting of {$400.00} a month for payments. And she hung up on me when I told her that I was in welfare. William and fudge actually hired the firm. I want to make sure that this debt is valid. This has been docketed as a judgement for {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Convergent Resources, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit reports. CONVERGENT OUTSOURCI did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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