BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: CA
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:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2020-02-06
Company: Northeast Resolutions Inc
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been receiving harassing calls from what I assume is a debt collection company named Northeast Resolutions , Inc. they have been contacting me and my out of town family stating that they are attempting to deliver certified mail however no attempts ever arrive from the USPS. They have accurate contact information however they continue to reach out to my father in an attempt to shame me into engaging with them for what ever purpose they have. They have yet to state that they are attempting to collect a debt, Ive contacted them back at the telephone number they provided and they answered the telephone stating that they were the XXXX XXXX  Police Department and have provided various company names. They are not licensed to engage in debt collection activity within the state of Arkansas. They will provide no information regarding the nature of the contact other than that they are attempting to deliver certified mail. They have violated the FDCPA repeatedly and have multiple online complaints that are near identical to what Ive stated above. Ive filed BK and they need to comply with the automatic stay and validate their debt or face contempt charges. they need to cease and desist all attempts at contact to myself, my family, friends, or place of work.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
CapitalOne Bank closed my secured credit card in XX/XX/2019 with no reason, then they refused to issue me a refund of my refundable deposit of {$340.00} which was used as a security deposit for the closed account. I have written to them three letters in the past 6 month with no response. I have tried calling many time with no result. Please advise what legal action I must took in order to get my deposit refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The reason for filling this complaint is that I have not been able to reach a settlement with XXXX XXXX XXXX or Navient on a student loan debt originally accrued from XXXX. 

Original Loan Amount and dates :XX/XX/XXXX {XXXX} XX/XX/XXXX {XXXX} Total : XXXX XX/XX/XXXX I received a letter from the XXXX XXXX XXXX ( XXXX ) stating that they had contacted my employer for an ORDER OF WITHHOLDING FROM EARNINGS ( see attached document CFPB_GarnishmentLtr_2-16pg1 ). I spoke with a XXXX representative and attempted get clarification on the amount of the depth. I did not receive any assistance. 

XX/XX/XXXX XXXX Began garnishing my wages. I retained the services of XXXX XXXX XXXX XXXX XXXX XXXX ( see attached document CFPB_LawyerLtr316001 ) to negotiate on my behalf. 
XXXX XXXX sent the request on my behalf ( see attached document P16-742_Navient_XX/XX/XXXX ) I also attempted to contact my Employers XXXX XXXX XXXX Payroll office to inform them the amount of the garnishment taken from my pay is larger than the Public Law 102-104 ; U.S.C. 1095 ( a ) allows. No one from the corporate payroll has made any effort to return my request. 

Currently XX/XX/XXXX My biweekly wages have been garnished for a total of {XXXX} ( {XXXX} for XXXX and {XXXX} for XXXX as of : the current date ), at a rate of 25 % per pay period ( see pay stubs date for XXXX and XX/XX/XXXX. This is higher than the amount of 15 % that is allowed under the law. 
My lawyer XXXX XXXX has not received any correspondence from the XXXX, XXXX XXXX or Navient on the original request. I have not been able to reach a settlement or received any statements on the current balance of the depth. 
I have suffered from significant family medical expenses and this garnishment has caused me significant XXXX. I am now to the point that I am unable to keep up with my household expense. I am head of Household and the Sole income for my family. I am no longer able to adequately take care of my family. 
I am at the end of all options and I am asking for assistance in this matter.

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I've reached out to TransUnion, was informed that inquiries couldn't be disputed and would stay on my profile for 2 years. Requested fraud dept. no help. Advised that I must prov theft report. Dispute mailed to bureau on XX/XX/2020. Would like inaccurate inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXXXXXX XXXX FL,XXXX-XXXXAddress ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

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 2020-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America Im filing a formal complaint with the cfpb on your company I have file several dispute with all of the credit bureaus On behalf of your company regarding in accuracy and erroneous information on my credit report and each credit bureau indicates that you are reporting that the information is accurate I have submitted proof of document but this account is inaccurate in your let r to me dated XX/XX/2018 you indicated that the account XXXX was closed on XX/XX/2018 again from your letter but how ever each credit reporting is showing XX/XX/18 this information is incorrect and I demand that you remove this account from all four of my credit file. See facial proof. As you have effect my ability to seek employment or to obtain anything in my name per the FCRA in the FTC website a credit report must and I repeat must be 100 % accurate Also you are in violation of the Fair debt practice and act as well as the FCRA for failure to enter the required noticed of dispute again please remove this account from all credit reporting agencies and please send me a letter in writing when this is done.

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 2021-09-04
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I Received a Notarized Statement from OneMain Financial that stated that my Account was Paid in Full. Nowhere on the Notarized Statement does it say this was a settlement for a lesser amount, or does it say Account Paid in Full for less than full balance. The Notarized statement does say This loan has been satisfied on XX/XX/XXXX. OneMain Financial continued to harass me for 13 months and they finally sent this account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  Reference Number XXXX Balance Due {$8800.00}. I disputed the validity of this debt within thirty days from receiving this notice on XX/XX/XXXX. On XX/XX/XXXX I received a Letter from OneMain Financial Stating Re Account No. XXXX Date of Loan XX/XX/XXXX Stating that " This letter serves as verification that the above-referenced account has been Settled in Full and closed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX and XXXX XXXX ran my credit multiple times after being notified that I was not purchasing a vehicle at their dealerships. There are a total of 6 hard inquires from XX/XX/XXXX to XX/XX/XXXX. I only authorized 2 of these hard inquiries. They did this in an attempt to negatively impact my credit score.

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 2021-02-12
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a collection report to my credit from XXXX XXXX. I had no clue who this was and have never heard from them. I filed a dispute as I did not know who this was. I called and after being transferred around multiple times was finally told the original creditor was XXXX. I called XXXX and learned the debt was sold to XXXX for less than {$1800.00} total debt. I have made multiple attempts to resolve the debt with XXXX and XXXX XXXX whom has reached out to me regarding the debt via email after I contacted them. They are telling me the debt is over {$3000.00} in a matter of months from receiving from original creditor. I asked for an accounting of what I am being charged for as it is not adding up. THEY ARE REFUSING TO GIVE ME AN ACCOUNTING TO RESOLVE THE ISSUE. IT IS BEING REPORTED ON MY CREDIT AS NEGATIVE AND NO WHERE NEAR THE AMOUNT OF {$3000.00}. I CAN NOT RESOLVE OR PAY A DEBT THAT THEY ARE REFUSING TO TELL ME WHAT I AM PAYING FOR YET REPORTING NEGATIVELY ON MY CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was living at an apartment complex with my now ex-wife her mother offered her a house and she decided to move I couldnt afford the apartment by myself so I was forced to move with her Unfortunately that lead to breaking of the lease I was a XXXX XXXX XXXX only new job and simply couldnt afford the apartment by myself so of course it went to collections With the balance Of {$3000.00} although it was a joint debt with my wife being Senior signer on the lease the company refuses to let me make monthly payments all the attempts have failed and they want the entire balance I dont have that balance at one time please 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 explanation
Consumer complaint received 2020-06-24
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: Their investigation did not fix an error on your report

Complaint:
Experian is acting in an unethical manner. Experian is being unfair. I sent in my ID for verification and two identity theft affidavits. I have sent an ID Theft letter and police report several times to Experian and they refuse to remove this debt that was involved in identity theft and are reporting a debt that was involved in identity theft. They are also reporting addresses I have never resided at and names. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX were involved in ID Theft

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 2018-04-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo published false and derogatory in formation about me when reporting to credit agencies. I wrote to them and they replied telling me the apologized and had corrected the issue. However, my credit report again shows they published new information with additional false claims. How can I get them to stop this defamation permanently?

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 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Someone was able to open a credit card in my name with just my social security number. All of the other information was wrong so Capital One should have caught this. I was able to close the credit card with Captial One but this person still has my social security number and I would like to press charges if possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I have a court ordered annuity guaranteed the annuity payment {$170000.00} due XX/XX/2029 was sent to Chase XXXX {$44000.00} missing {$130000.00} I contacted XXXX XXXX XXXX XXXX they disconnected my calls policy # XXXX cant be found on the online resource. 
I notified the attorneys that filed the negligent lawsuit in NJ XXXX XXXX. 
Ive since been scammed on the internet filed an IC3 complaint and closed my chase bank account. 
Not sure why the company is in default of the court order. 
There is a gag order

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-09-04
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX on behalf of XXXX XXXX - Faith properties obtained a judgment against me that is being reported to the credit bureaus and it should not be. 

As of XX/XX/08 civil judgments are no longer to be reported on credit bureaus. In addition their judgment doesnt identify me with a date of birth, social or address. 

Also, in Ohio per ORC 2329.07 judgments are only valid for 5 years unless revived, which this account was not- its reported as charged off. 

Also, the amount of the judgment is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Contacted CitibankbCustomer Service on XX/XX/XXXX - had long conversation about incorrect service fees. Was told two months fees would be refunded and they would research the other fees. 
Called XX/XX/XXXX because of an insufficient funds email from Citibank. Found they did not correct ANY fees and charges another months fee and an insufficient funds fee of {$34.00}. 
After three conversations, One Hung up on me, they said the fees refunds were denied.

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 2020-02-06
Company: EQUIFAX, INC.
State: MD
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent account.

Company response to consumer: Closed with explanation