BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-24
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was NEVER sent a bill of the original amount or given an opportunity to pay. When this company started calling, they asked for XXXX XXXX ( my name is XXXX ) and told me repeatedly that the last XXXX of my SSN # DID NOT MATCH the account on file and they COULD NOT talk to me about the debt. This happened over 10 times. Then this bill shows up on my credit report, upon seeing it there in XXXX I called IMMEDIATELY to take care of it! They again had XXXX XXXX as the name on the account and told me that my SSN did not match the account holder 's. It took hours to get this straightened out. This account was settled immediately. This ended up in collection due to THEIR horrific error.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: OR
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:
TRUN DOWN BY Over 6 lenders, discrimination complaints against a federal government agency this was filed with the Federal Trade Commission and the Consumer Financial Protection Bureau. list of complaints never getting addressed. due to the lack of not getting Addressed, I collect countless documents and images and sent with complaint, sent letter to them send letter certified, they Received them and did nothing, to your office as well as the credit bureau. you office had over XXXX complaints not being address, the credit bureau reported debits valued when the reporting data is showing no payments every made, accounts were closed a-part of a XXXX home loan refi. checks was sent and data wasn't proved to them right. on XXXX and money was taken out off mine and my wife XXXX bank, after fight over 2 years with this matter your office failed to removed this wrong info, by blocking American XXXX act, and the fair debt collection practices act, i have sent-mail and emails to the following with no results, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, As you can see from the list provided I'm getting no were i asked your to call me when this happened in Utah and now its still going on i have ended up with a stress induce XXXX XXXX over this i ended up in small claim court were the dismissed after spending XXXX or more.

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 2019-12-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I originated a line of credit with TD Bank on XX/XX/2017. Over 90 % of the payments made since the inception of this loan has included additional funds to be applied to principal payment. Most of the time when I mailed a payment to the XXXX XXXX processing center I would note on the check within the memo section to apply to principal, however in reviewing the payment history it does not show this was done. I have reached out to several representatives over the last three months to attempt to reach a resolution and no-one has been wiling to go over my pay history breakdown the application of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Blackhawk Network Holdings Inc.
State: OR
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Adding money

Complaint:
I bought a reloadit pack from Blackhawk network. I am trying to add {$500.00} from their website to XXXX of my netspend cards and both cards are coming up restricted on their end. I have a total of {$1500.00} worth of reloadit cards that I need to use to put money on my netspend card. Both companies are saying it 's the other. I just need this figures out I leave for a vacation at the end of the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-04-10
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-04-10
Company: Nelnet, 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've been going back and forth with these people at the Nelnet customer service disputing this fraudulent student loan for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TrueAccord Corp.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I received a letter from TrueAccord collection agency stating they were working for XXXX XXXX XXXX without a 1006.34 Notice for validation of debts. 

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section. 

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 

On XX/XX/2022, I filed a dispute with TrueAccord, CEO XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX - XXXX # XXXX - XXXXXXXX XXXX XXXX for {$500.00}. 
This alleged debt is being reported to my 3 CRAs even though TrueAccord and XXXX XXXX XXXX can't validate it. 

This account should be deleted as soon as possible by TruerAccord XXXX XXXX XXXX XXXX. 
You will find all communications attached and I would like to draw your attention ( CFBP ) agency to a letter from TrueAccord XXXX XXXX XXXX XXXX that fails to mention the right to dispute within 30 days, as required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been told by XXXX XXXX XXXX, that I was given a Parent Plus loan in the amount of XXXX by Navient for my son 's college. I have letters from XXXX XXXX for XXXX and XXXX denying me the loan due to information on my credit report. I was told by Navient as I entered the time I was able to start paying back my loans that I should consolidate first. So I did that. I have been in repayment for almost a year under the public service payment plan as I am a XXXX XXXX XXXX. Due to the parent plus loan being consolidated I can not qualify for a payment I can afford. Each time I call someone they tell me to call someone else. I have always been prepared to repay my loan but now it is close to 178,000 because of interest and me being in forbearance for so long. I want to continue making payments but I ca n't afford the XXXX per month, I am a XXXX! I did not qualify for the parent loan. I have letters proving that from XXXX XXXX. How did that loan go through. I feel it was deceptive practice and I need resolution so I can afford my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My daughter only stayed in college for one year, She was given the loan information to make payments. 
She made a few payments by calling in a few times, she missed a few payments. At that time I suggested we call Fed Loan and set up a payment arrangement. We called together, My daughter and I spoke with the woman service rep, I told her I was calling about the parent plus loans taken out in my name, we gave our social security numbers and the service rep set up my daughters bank account for repayment. Several months went by, I started getting alerts about my credit score dropping due to late payments, I reached out to my daughter who provided a bank record of payments being made. Several more months went by and I continue to see my score drop, at that point I disputed it due to having proof of payment. In late XXXX I decided to call Fed loan to find out what was going on, it was at that time I discovered that the parent plus loan was not set up with a payment plan, the only account that was set up was a loan in my daughters name. I had no knowledge of this account ; it was set up by the college without my consent. I was not involved in this loan. When the initial repayment plan was set up the service rep set up the wrong account and did not disclose that she seen an additional account. 
The service rep suggested a forbearance, it was approved. I have been making on time payments since then. During the 8 months I received 16 late payments recorded against me on my credit report. They reported on 2 accounts being late but I only have 1 account number. I believe that these late payments against me are unjust, I called The Fed loan facility and gave all of the necessary information, there was no mention by the service rep of several accounts. If these said accounts were discovered the first time, I contacted their facility I would not be in this position. 

We called Fed loan in XX/XX/2018 to set up a repayment plan I have records that show one account was being paid while the other fell behind due to the wrong account being set up for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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 called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX, and hoping that these accounts will be corrected. 


XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX  XXXX XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}

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 2020-04-19
Company: Collection Bureau of Fort Walton Beach, Inc
State: GA
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 submitted several disputes to the credit bureau XXXX  XXXX  and XXXX  to investigate information on my credit report. They have repeatedly sent me template letters with no document verification of there results. I have also mailed the creditor and they refuse to do the same. Under the fair credit act it states all information should be reported accurately and I have the right to request supporting ( original and current ) documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Credit Adjustments Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A debt collector named Credit Adjustments keep calling me and also has sent regular mail to my business demanding payment for a bad check written to an online company named XXXX  XXXX  in the amount of {$110.00} in XX/XX/XXXX. 

I repeatedly have told Credit Adjustments that this debt is not correct and is impossible because my company filed as a Corporation with the State of California and was not opened until XXXX of XXXX and that it is impossible for me to have written a bad check in XX/XX/XXXX and that they can verify this information by visiting the Calif State website and look up my corporation name of XXXX XXXX XXXX and verify what I am telling them is the truth. 

However, they continue to harass me after I verbally informed them to stop calling me and stated they are in violation of the Fair Debt Collection Practices Act. I have since written an email to this company since asking them to stop calling me did not stop. 

I then wrote an email to this company called XXXX XXXX  and informed them of the same, and they sent me back an email and they stated they asked Credit Adjustments to stop calling me for this collections for this check.

This company Credit Adjustments has obviously violated the Fair Debt Collection Practices Act and should be held accountable for their actions so they do not continue these practices to others. 

Best Regards, 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 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
This has been a very hard ongoing investigation with Capital one. I been very sick and had an emergency operation and became XXXX in a matter of days. 
I had no time to waste I had to go with the hospitals and have a home card after my operations. for several years I was at the mercy of home care and had to allow my home to run with strangers and bills had to be paid with people i didn't know. as you can see I had questions on how my card reports came though for years I tried to understand why charges were on the account without me knowing there were several different people paying my bill while so others were using my credit cards without my permission. I have an attorney write letters to explain but i did not receive an answer. I really thought it was ok because you change the card numbers but during the time it took to get my cards in a settlement since I was not able to see my statements but was able to start paying my own bills after years of fraud that these caregivers has done. then this has happened I reported right away and was given a police report and the necessary investigation was taken. 

you have been helping in a way that I am grateful for. put please it is now years that I am asking you to take the late data off my report. 

it been years and since I'm still fighting for my credit I'm asking they you understand how this is hurting my life i reported to the police and my insurance company. here are the dates and credit card numbers. i know this is hard to understand now that I'm explaining maybe you cau erase the late data off om report that i had no fault because all my cards were paid off and and the cared works paid my bills and used my card without my permission account ending XXXX. Account number XXXX. Account number XXXX late XX/XX/2017 late 30 day late XX/XX/2017 late 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX Late 30 Days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days XX/XX/XXXX 120 days late XX/XX/2017 late 30 days late XX/XX/XXXX 60 days XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late three cards that are giving late date data, please correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 2017-02-24
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I attempted to refinance with Quicken Loans, after 4 months my application seem to be stalled somewhere within the company. 

After a lot of fighting, I am presented with a redisclosure packet that has terms that are not even remotely close to the terms originally offered - points added, lender credits removed, closing costs not paid by lender - despite having perfect XXXX credit, more than 60 % equity in my home, and {$250000.00} in annual income backing a $ XXXX loan. 

I believe they are in violation of 12 CFR 202.9 of the ECOA, due to not notifying me of an adverse action for 30 days, along with various portions of TRID, due to removing lender credits without giving a specific reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have a complaint against this debt collector, XXXX XXXX XXXX. They have me listed for an account number XXXX. I requested XXXX times for them to send me more information related to this account and how I could possibly owe {$1600.00}. I recall having a card with Walmart but I know I did not run the balance up so high and I wanted to see if someone stole my identity and was out making charges. They only sent me a final statement or XXXX but nothing breaking down all the charges ( including where and when they were made ). They never sent me any documents relating to me opening the account either. 
In the process of me asking for this information, I must have upset them. Instead of getting me the documents I requested, they served me with a lawsuit. On XX/XX/XXXX they filed a lawsuit against me and I have a court date of XX/XX/XXXX. All I wanted was proof that I owe this debt and that my identity was not stolen and now I have a lawsuit and I do n't have the money to pay for an attorney to represent me. 
I do n't find it to me unreasonable for me to request complete proof of the debt they claim and I find it very unfair they are now treating me this way and they are using bullying tactics. Please make sure they prove to me all the charges belong to me. I want to file for ID Theft protection if I find someone else made these charges. That is all I want. I am afraid it is now too late and I beg you to try your best to get this information for me before my court date. If I sound desperate, I am and I need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I went to XXXX on the XXXX of XXXX 2015, I applied for a credit card and they said I should call the office. I spent over {$200.00} on clothes, I called the office and I was told I would receive a letter in the mail, called the office today XXXX/XXXX/15 at XXXX spoke with XXXX and said he would have to resend the letter. It was hard to understand the accent, asked if he could resend it I said yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion is reporting a bankruptcy on my report. they have the data furnisher as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, which is false I have attached a letter from the bankruptcy court verifying and stating they do not verify/ validate information to the credit bureaus, reporting agencies, or third parties. Transunion is falsely stating this information on my report and have yet to remove this from my 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