BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: Navient Solutions, LLC.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from XXXX XXXX XXXX. They use different phone numbers every time but I have kept track. I have requested to be removed from their list every time and yet they continue to call. They are trying to contact my father, but I am not responsibly for anything related to him have no knowledge of debts he owes so they need to leave me out of it. They have called me a total of five times after I initially requested to be removed and this last time they said that previously my name was not added to the Do Not Call list. This is illegal. I have nothing to do with the debt owed and have requested to be removed. This needs to be handled. 

I received calls : XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX STOP WITH THIS ILLEGAL PRACTICE.

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 2017-12-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had a loan with XXXX XXXX for about 2-3 yrs, then it changed to Navient and I have been needing assistant with repayment or at least trying to make payments on my loan but could not afford to make the payments because they were to high. They company always offer a forbearance as the first option but nothing else. I am highly frustrated because this loan affects my credit score and any loan that I have ever applied for. I need help to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have saved the screenshots to show this is happening. I installed the XXXX XXXX XXXX XXXX because Capital One is relentlessly calling my cell phone. 

When I say relentless- I mean Ive received 42 calls in the last two hours. 

The number is XXXX. 

The worst part is that Ive already explained to them that I didnt miss a payment, it was incorrectly attributed to my account. I pay my balance every month and have had cards with them for 16 years. This will be the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
I am a Victim of Identity Theft and Experian has not been providing me the protections and services required by law. The law states that since I am a victim of Identity Theft I am supposed to provide a completed FTC Identity Theft report and valid proof of my identity to Experian and as long as I do that Experian is supposed to BLOCK the accounts I am stating to be fraudulent.. I have made numerous attempts both over the phone AND in writing to get them to BLOCK fraudulent information ( see the attached for details of the accounts I am referencing ) discovered on my report and all I have received back from them is bogus responses saying that the creditors CERTIFIED to them that the information is true and correct.

First, they did NOT immediately block the information which they are required to do by law.

Second, they sent me a response letter saying that the companies CERTIFIED to them that the information was correct.

By law they are supposed to VALIDATE, not CERTIFY, by retrieving and providing ME with a valid contract with my signature on it. They have refused to follow the law and it has me and my family tremendously as we are trying to deal with a pandemic and their outright REFUSAL to follow the law is making it impossible to rebuild my credit due to these fraudulent accounts keeping my credit score down in the dumps.

Experian has been horrific with their customer service and their willingness to follow the law, and it HAS TO STOP. I am doing everything I am required to do by law and all I am asking in return is that Experian do the same by BLOCKING the fraudulent accounts. 
XXXX  AND XXXX have already blocked these accounts and did so without hesitation once I notified them because they KNOW and FOLLOW the LAW. 
Experian has been negligent and is violating my rights. They need to be STOPPED

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 2017-12-19
Company: DISCOVER BANK
State: MA
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:
On XXXX XXXX, XXXX XXXX has listed a hard inquiry on my credit report from discover card. I tried to contact them via phone and computer website will not load and i would be on hold until call is droped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have opened a complaint against Portfolio Recovery associates for not validating a debt after I requested. 
Today I logged on to look at my credit report and it shows that I have made payments to the same supposed XXXX XXXX  account. I have downloaded and printed 3 years worth of bank statements and do not show any payment history to XXXX nor Portfolio Recovery. The only reason that there would be false payments to the account is to illegally re age the account. These are two violations of Fair Debt Collection Practices Act on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, a subservicer for Lakeview Loan Servicing LLC,  intentionally makes fraudulent claims of late payments, repeatedly, in order to wear customers down and entrap them. They do this even when they have claimed the funds prior to the cutoff date for timely payment. I believe they are hoping the customers will get too busy and be unable to provide the repeated documentation they keep demanding based on fraudulent claims. 

I have provided documentation to prove their continued harassment and unethical behavior. It is more than fixing this single issue. They need to be investigated for fraud. 

While they responded to a previous complaint stating that the loan reference number did not match and that was their excuse for not applying the funds timely, there is no excuse. There are many data points that match, the loan has been paid in exactly the same method from the same source using the same information since XX/XX/2019. 

All of a sudden, they claim that because they issued a new loan reference number when they acquired the loan that they couldn't tie the payment together?? It's nonsense. 

The documents I attached here show unequivocally that they had the funds by the XX/XX/XXXX when the cutoff for timely is the XXXX of a given month. Still, they send a statement saying they have not received and charging a fee for late, neither of which is true. 

Truly, they are monkeying around with any way possible to charge fees exploiting people by consistently causing them to have to document things that have not been a problem until now. They are making problems. Why?? Someone needs to find out.

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 2021-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted both Equifax and XXXX XXXX  about how they are currently still reporting that i am an active authorized user of the account listed on my credit report. I am not listed as an active user, I was removed some time ago and the account is actually paid in full and closed out. Equifax has yet to remove this from my report and it is causing me a hardship due to the fact I am unable to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020, I used my American Express Credit Card to make an appliance purchase that was under my balance by almost {$1000.00} dollars. At that time, the amount was authorized and then would finalize prior to shipping. 

American Express three weeks after the authorization reduced my limit by XXXX XXXX dollars! They cited review of my account, during which my XXXX  credit score jumped 40 points. I have never in my 20 year history with American Express been late or missed a payment! 

This was discriminatory as I am a XXXX XXXX XXXX XXXX and this is not the first time they have taken this action! 

The representative was condescending and insulting to the point where he scoffed and chuckled at the injustice I suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have called EXPERIAN multiple times to request my credit report to be mailed out. I was told it would take about XXXX days to be received. I spoke with a representative on XXXX occasions and verified my information. I still have not received anything. This action has headed me in many ways. I am not happy at all. According to the Credit report law, I am entitled to my free 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 non-monetary relief
Consumer complaint received 2017-12-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I contact Huntington Bank about payment for home and auto insurance with Huntington Back. which was due on XX/XX/XXXX, I was told that it was return, because I did n't have enough fund in my  account. I inform her that I had sign up with Huntington Bank Debit Overdraft Service. she said that the bank has discretion and I said I know, this is my first time. she put me on hold to talk to someone else. she came back and said it because I was a new customer. I told her that it was't mention when I sign up for ODP. prior to this incident I ask a teller about the 24 hour grace period that they advertise on the TV ad. I was told by the employee, that the bank has discretion. I told him that the TV ad did't mention about discretion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-07
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: Old information reappears or never goes away

Complaint:
I am submitting this complaint because the credit bureau, Experian, is reporting a debt for XXXX XXXX  inaccurately. It was included in Chapter XXXX bankruptcy. I contacted Experian years ago about this and it was removed. The creditors received notification from the bankruptcy court that my Chapter XXXX debts were discharged. Unfortunately, since my bankruptcy was discharged over 10 years ago, I no longer have all of the records to locate the date of when Experian was contacted and when the debt reappeared on my credit report. I only realized recently when I pulled my annual credit report. Along with this complaint I am uploading a screenshot of the XXXX XXXX debt which was included and discharged in my bankruptcy. On that screenshot you will also be able to verify the bankruptcy case number and the date that document was filed to the courts. I am also uploading a copy of my chapter XXXX discharge.

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 2018-09-20
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. My XXXX Mastercard # : XXXX issued by XXXX XXXX, XXXX XXXX XXXX, UT is lost/stolen. All of the transactions is fraudulent and unauthorized. My entire credit limit of {$1000.00} was used in a fraudulent and unauthorized manner. I never used my XXXX MasterCard. The fraudulent transactions dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX 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 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed bankruptcies with TransUnion complaint # XXXX XX/XX/2018. I requested credit bureau provide proof of who verified bankruptcies they were reporting. TransUnion stated US Bankruptcy court verified bankruptcies. I provided a letter from XXXX District of Florida Bankruptcy Court stating they dont report to credit bureaus. So I never received proof I requested, and the response that was given was past 30 days.

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 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Early Warning Services, LLC
State: TX
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 and 2017 Early Warning Systems, a proverbial boil on one 's arm pit, continued to lie and make false pretenses via this United States federal government portal that it had indeed found I was a victim of identity theft and under the FACTA AMENDMENTS it would freeze or place a 7 year alert. Well that's rich I received word, because these fraudsters who have my SSN repeatedly attempt to open accounts, from XXXX XXXX who I have not applied nor solicited, the application was online so says the bank and further the Ip address and device fingerprint is not mine, but most troubling was not that it was denied, that should have absolutely happened as I have not asked Early Warning nor XXXX XXXX or XXXX XXXX to unfreeze rather it was denied because Early Warning Did allow the dissemination of my report to the bank and it contained the same fraudulent information it has now sworn it had deleted, but again like the festering XXXX it is Early Warning continues to cause irreparable harm and violate my rights under the FACTA AMENDMENTS to the FCRA and state law. They also engaged in unfair and deceptive acts that are so numerous it doesn't even shock me anymore. I demand this be investigated and corrected this is my final warning!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 have cancelled my spirit airlines credit card twice in the last year and thought it was officially closed the second time I contacted them. They have their card through Bank of America and this year I find that I was once again charged a yearly card fee. Contacted them AGAIN to state this account was already closed and they left it open. I have disputed it two more times and they finally closed the account on their end on XX/XX/20 but have left a {$62.00} balance on there while also reporting this to my credit report which has now caused my score to drop almost 100 points! 

I have also reported them to the XXXX  and found out I am not the only customer to have had this issue with them. I should not have to pay for a mistake on their part, which was not closing the acct on their end the first two times I cancelled it. On top of that they have messed up my credit score going from about XXXX to 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 2020-09-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX 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 2021-03-26
Company: Choice Recovery, 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: Information belongs to someone else

Complaint:
I have this account choice recovery report to my XXXX  report which is not valid, i attempted to reach out to this company more than once and received no response regarding invalid response

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation