BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Due to the lawsuit I want to make sure that I am not one of the customers that has gotten cheated because no matter how many payments I make to navient my balanced only tends to go up never down. I did at one point call to get enrolled in the program that would help me be able to pay baised on my income. Please help me figure this out. I first attended XXXX XXXX XXXX and now attend XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
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 XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO UPDATE COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX-Balance {$0.00} XXXX-XXXX-Balance {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX  XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX  XXXX - {$100.00} - Revolving Paid XXXX XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX  XXXX - - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX   XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX   XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Real Estate Paid XX/XX/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 non-monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$4700.00} XXXX   XXXX {$11000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DPT ED/XXXX XXXXXXXX {$6000.00}

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 2020-02-04
Company: Conn's, Inc.
State: TN
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:
Conns Appliances INC shows two 30-day late payment on my account which completely wrecked my credit score and is impacting the ability to house my family. I have had a stellar payment history with Conns and dutifully paid my account online everytime via their Webportal until I had an issue making payment via the portal and contacted support which told me that the portal had changed. This negatively impacted my payment because I always paid at the very end of the month and the delay caused my payment to be counted as late. My next payment was also impacted because my card was compromised and canceled by my bank which caused my autopay to not go through. Once I became aware I immediately corrected the issue and made payment but Conns still counted it late. I have paid off the account entirely and wish for my 30-day lates to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I WANT TO SEE THE EVIDENCE THAT I OWE THE DEBT THEY CLAIM I OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
For the past two weeks, I have been trying to contact CashApp because they have froze my account for my protection. I emailed them and I get a automated response stating they will handle my case. Later in the week I tried to cash out my money and now my funds are frozen. I contacted them on XXXX  and theyll on give me automated messages and tell me to wait 48 hours. Its been two weeks and I need access to my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$4700.00} XXXX   XXXX {$11000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$6000.00}

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 2018-09-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX XXXX card. The promotion clearly states before applying for the card ( instant XXXX dollar gift card upon approval ). I only received a XXXX dollar gift card. XXXX is denying that XXXX dollars. I called XXXX XXXX the issuer of the card and they stated it indeed is a XXXX dollar gift card but XXXX has to issue it. Ive spent over 6 hours on the phone with out a 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 monetary relief
Consumer complaint received 2020-08-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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 made an agreement with Nissan Motor Corporation, and paid them off on XX/XX/2020, and they are not reflecting this on my credit reports. I have a letter showing that the agreement happened, and Nissan is reporting balances that do not exist. Nissan is also reporting an incorrect account number on my credit report. Both of these factors are a direct violation of the FCRA, and the Nissan Motor Corporation entry on all 3 of my credit reports need to be deleted immediately. Nissan is reporting my account number begins with a 9, however according to my account statements, and Nissan 's online portal, my account begins with a 0. I have attached my agreement letter showing that I have a settlement, screen shots of the Nissan entries on my credit reports showing balances that do not exist, my credit reports incase you want to verify the screen shots, my account statements which show a different account number than what Nissan is reporting, the agreed upon amount withdrawing from my bank account, and a screen shot of Nissan 's website showing a different account number than what Nissan is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I worked with XXXX XXXX XXXX for over 5 years to resolve all of my debt. That ended 3 years ago. The debt is no longer a part of my credit bureau report. I have told this collection agency to stop calling me months ago. They continue to call me every day now. XXXX tried for five years to work out a debt payment plan. They refused and denied the debt. I have tried to get them to stop calling but they continue. Portfolio  XXXX are harassing me daily and causing great anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: NCB Management Services 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: Old information reappears or never goes away

Complaint:
XXXX continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with XXXX and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: CA
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 made aware of four accounts on my credit report that were opened in my name without my permission. The reason I even checked my credit report today XXXX/XXXX/2020 is because I was planning on applying for a personal loan. The accounts were opened with these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not have any relationship, written contract or agreement with any of these companies nor did I benefit anything from the accounts that were opened with these companies such as money, goods, services or any other benefit and I did not take part in any purchases or payments that might have been made towards these accounts. have no idea who is responsible for opening these accounts in my name without my authorization but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

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 2018-10-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed my credit report reflected 3 entries that I do not recall having put into the 3 Credit Bureaus. This was done and put into the Credit Reporting Agencies by a Company that I have not had any interaction with. I have 3 amounts one for XXXX, one for XXXX, and one for XXXX this is a shame for someone to get a name and commit fraud putting this information in the Reporting agencies database without knowing the law. This is called Identity theft, CFR 603.2. I did not consent to anyone using my information nor did I consent to these fraudulent accounts which were opened without my knowledge, and if there is anything to be put into a Consumers file they should be able to sit down and see if there is indeed the Consumers correct information and if they are indebted to these crooks.

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 2018-09-13
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient is repeatedly harassing my father, my sister, other family members, as well as myself, by calling multiple times a day in reference to my student loans. I have asked them to leave my family alone in the past and they refuse to do so. I asked them to take the cosigner off my loan and they won't do that either. I lost my job in XXXX and don't have the money to give them until I find a new job. My father is a Veteran and a retired XXXX year old man, who doesn't have any money to give them either, yet they still harass him every day! I want it to stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was promised with the first phone call if I paid this debt they would remove it from my report. The debt is paid and they will not remove it. I have disputed with the credit bureaus to no avail. 

They have also re-aged the debt to a newer first date of delinquency. First date is XXXX and they have XXXX with the credit bureaus. 

They are also reporting that they are the orignal creditor. 

All of these actions are in violation of the fair credit reporting act and consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Early last week on XX/XX/XXXX I received a summons for a law suit that has been filed against me. I called the number on the summons and it stated that I owed a debt from XXXX, in the amount of XXXX. I reached out to the number on the letter and advised them that I have not received any information on this " alleged debt ''. I am responding to this law suit as sufficient information has not been provided as I have requested. 

On XX/XX/XXXX I sent an email to XXXX XXXX XXXX XXXX about this debt asking for verification and validation and prescribed by law because as I stated before I have not received any. 

In addition to this I see an additional entry on my credit file for this same debt. 

This is a clear violation of FDCPA and the Frank Dobbs act in addition to the UCC. 

This is not only " reaging '' of old debt, but this is also a violation of communication because I have not received any mail to such claim. 

Section 1036 of the Frank Dodd act of 2011 prohibits covered persons and service providers from engaging in unfair deceptive or abusive acts or practices. This act also prohibits abusive practices. This is a an abusive business practice and deceptive. The state attorney general can also sue your company for unfair and deceptive practices. 

Deceptive practices are defined as a representation omission or a practice that is likely to mislead a consumer acting reasonably under the circumstances. 



Legal and unfair practice is any or all practices that causes or is likely to cause injury to consumers where the injury can not be avoided by the consumer. This is unauthorized billing that caused substantial injury. 



To measure unfairness, An legal assessment of an Unfairness test requires weighing cost and benefits of business practice. This particular practice resulted in substantial injury to my person. The cost outweighs the benefit and that is what legally makes this practice unfair. I do not have any legally binding contract with. Therefore your inaccurate and invalid entry on my credit is considered material to my decision making in terms of all credit related purchases I am being penalized twice for a debt that is not only unverified but also is not valid. 

Once again this is against the law. 

I demand that XXXX XXXX XXXX XXXX remove this erroneous, inaccurate, unverified information from my credit file. 

I am handling the law suit separately and I plan on pursing that issue and seeking all damages under the FDCPA as I can get and will also publish this information where appropriate. 

Please see attached that has already been sent further asking for verification, which to this date has been unanswered. 


Sincerely, XXXX XXXX Without Prejudice UCC 1-207/1-308

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: MD
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/XXXX I went online to Experian and tried to unfreeze my credit report as I am trying to prequalify for a mortgage. Although I keep careful records, the pin number I entered was apparently incorrect. After several phone tries, I finally got through to XXXX who, after XXXX minutes of having me try to unfreeze it online ( even though I told him the pin would not work ) finally told me he could overnight mail to me a pin for a {$20.00} charge. I agreed to the fee and he said it would be overnight mail to arrive by XXXX on XXXX. 

Today I went home - took an hour off work - a little after noon to find there was no Fed Ex envelope. I called Experian and was connected to XXXX. XXXX told me that it was not yet XXXX XXXX time - I was not informed that the delivery would be based on XXXX time! Then I asked her for a tracking number so I could track delivery and know when it got delivered so I could retrieve my envelope. XXXX could not provide a tracking number. I then responded with the fact that without a tracking number we really do not have any way to know if the document actually was sent on XXXX as promised for XXXX delivery. She responded that was right. With that, I asked to speak to a supervisor ... 

XXXX put me on hold for a minute and said the supervisor said I should give it more time and call back in a few hours. That was not what I requested so I again asked to speak with a supervisor. XXXX proceeded to tell me what she was told and that I could not speak to a supervisor. I asked again and she finally transferred me. After several rings the phone was picked up and immediately placed on hold. I sat on hold for 28 minutes ( screenshot of my phone is attached - of the 36 minutes of the call, 28 minutes were on hold ) at which time I had to finally hang up as I was back at work. 

None of this is acceptable ... taking care of the customer aside, the fact that the pin number to my account may or may not have been mailed to me ( or somewhere else? ) and there is no tracking number is just another example of the poor job Experian does of protecting our information ... As for customer service - the only service they offer is really low quality, uninformed, and an " I couldn't care less about your problem '' attitude. As for the supervisor ... that person should be fired! 

This is a credit monitoring company. How can a company responsible for such sensitive information about citizens be so careless in their work and still be able to operate.

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 2019-09-05
Company: FMS Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, sent a certified letter to FMS indicating that the original creditor had agreed to a settlement payment. FMS has not responded ( two months ) and continues to report debt owed on credit report.

Company response to consumer: Closed with explanation