BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is still a number of fraudulent accounts on my experian. These accounts in question has not been validated. I reached out to the companies to send me a signed documentation with my signature on the application and its been over 30 days and have not gotten a response. I know for a fact that Experian has not verified any of these accounts accordingly. XXXX is not a proper way of verifying fraudulent accounts. These accounts should not be on my credit report unless given permission. Under the XXXX Law Dictionary VERIFY means : To confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. The word " verify '' sometimes means to confirm and substantiate by oath, and some- times by argument. <P/>XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX are all fraudulent accounts and have not been verified nor validated. No consumer should have to endure such a horrific situation. These accounts was removed and put back on my credit report without the proper method of verification or the proper validation request I sent to each company. Remove immediately!

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 2017-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, We stay in  XXXX  and worked with a legal professional registered with  XXXX  of  XXXX  to help our brother migrate to  XXXX . We paid his service fees on   XXXX   XXXX   XXXX   from our bank  XXXX   XXXX    XXXX    XXXX   XXXX  to  XXXX   XXXX   XXXX   XXXX  in  XXXX  and as the money was in USD it had to be routed through BANK OF AMERICA in USA. On   XXXX   XXXX   XXXX     our bank told us the money has been held by Bank of America as there were some  XXXX  entries missing from the recipient 's side ( Recipient 's name, occupation, address, residency status ) so we got this information and passed it to our bank and they forwarded it to Bank of America, then a couple of days later we were told by our bank that Bank of America has held the money under suspicion of an International Bounced Cheque list by my brothers name while my brother has never issued any cheques internationally or locally which can be verified by our bank in  XXXX .  <P/> The issue is the Invitation to Apply for  XXXX  PR is only valid for 90 days and coming  XXXX   XXXX  this invitation will expire and till date Bank of America has not responded to our plight via our bank. We tried to call bank of America Mr  XXXX   XXXX  from Bank of America Investigation and the person told us that we are not allowed to speak to anyone from the investigations department.  <P/> Seeing our time being critical we requested cancellation of this transaction about  1  week ago but Bank of America is not responding to our bank or us claiming pending investigation, so we made another payment via  XXXX   XXXX .  <P/> Kindly help us to get our {$3900.00} amount and we do not reside in USA to be going after Bank of America.  <P/> Thank You

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 2019-12-10
Company: SYNCHRONY FINANCIAL
State: CO
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:
Snychrony Bank/Paypal has reported a charge on my credit report and I have no idea what it is. They said it was from a debt in XXXX. I have had two real estate purchases and one car purchase since XXXX and this account, the account number and the account name does not show up on my credit report. I requested a validation of debt on XX/XX/XXXX. They did not have any of my current information as far as address and phone number although I had a current and active PayPal account. I was assured the statements would be mailed immediately. On XX/XX/XXXX, I was informed the " debt '' was sold to XXXX XXXX XXXX on XX/XX/XXXX. XXXX, 6 days AFTER I requested the validation of debt. As a consumer, I have the right to receive from Synchrony Bank/Paypal to validate this debt. The debt is over 7 years old and I have zero visibility or knowledge what this is. As stated, this account did not show up on my credit report that was pulled in XXXX. All my accounts showed up to date and current. Synchrony Bank has refused to validate this debt! 
So now what? Am I going to get harassed from XXXX? This also needs to be removed from 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 2017-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS A NEW COMPLAINT BASED ON Portfolio Recovery Associates LETTER DATED   XXXX   XXXX   XXXX   ATTACHED.
<P/>
Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}. Portfolio Recovery Associates, LLC and the seller Creditor   XXXX   XXXX  , who failed to provide proof of debt, as to the electronic purchase from   XXXX   XXXX   to Portfolio Recovery Associates.
<P/>
Portfolio Recovery Associates, per the attached letter dated   XXXX   XXXX   XXXX   did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
<P/>
Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; Portfolio Recovery Associates, did not prove it paid {$2300.00} to   XXXX   XXXX  , as they failed to provide proof of debt via copy of the electronic purchase from   XXXX   XXXX  . Their letter dated   XXXX   XXXX   XXXX   is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received notice  from Lloyd & McDaniel   XXXX   XXXX   XXXX   XXXX  ( dated    XXXX   XXXX   XXXX   ), stating  that   XXXX   XXXX   XXXX   had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on    XXXX   XXXX   XXXX   (  Certified Return Receipt ) to the   XXXX   XXXX   stating that I was willing to make payments on this account. The letter was received at the  XXXX .  XXXX  address provided on    XXXX   XXXX   XXXX      at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website  on   XXXX   XXXX   XXXX    and no response was ever provided.  <P/> On Saturday,    XXXX   XXXX   XXXX   I receive a n otice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Originally I had my loans through  XXXX   XXXX  and they had set me up with a repayment plan. After a few years of paying I found out they had set me up with an interest only payment. Being a young student and a  XXXX   XXXX  I thought they had setup a repayment plan just like a car, so I had setup an automatic payment. To find out that the {$500.00} a month I was paying was just interest alone and my interest rate was over 10 %. When I called about being in the military they said I did not qualify to get a military interest rate even though I spent 6 years and several months in  XXXX  back in  XXXX . I finished school in  XXXX  and not knowing well they placed me on a new repayment plan after trying to decrease my interest. They did decrease my monthly payments but now I will be in debt with them until  XXXX . Now from time to time I login and find I do n't have a payment due then I receive an email saying I have a payment due. Their system is not accurate. Being young and not understanding I trusted my school. Now understanding better, I will end up having to pay them ov er 2 to 3 times what my classes cost me for all their fees and interest charges. Can anything be done to assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was on XXXX XXXX XXXX and all year up until XXXX i wasnt notified that they the part of my rent they pay wasnt being paid and they pay tracked and accumilated all and now its over XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: NV
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2022-03-16
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Signed as a co-signer for a student loan in 2002 with XXXX XXXX. And according to terms was supposed to be released after on time payments being made after 24 months. Been 20 years and still not released. Which is creating numerous issues with my credit report. And I am retired and on a fixed income. Currently this loan is now with Navient. And I contacted Navient numerous times to have myself removed and have not had a reply back. No help with customer service. I do not have any access or knowledge of these loans. I would like this resolved and removed as being a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
President - i opened td bank accounts in feburary that were closed by them right away and i sent a complaint to you. on XX/XX/2022 in a td bank in XXXX at XXXX and XXXX XXXX i opened a checking account XXXX with a transfer of {XXXX} from XXXX XXXX checking account XXXX and a savings account XXXX with another transfer of {XXXX} from XXXX XXXX. both were deposited on XX/XX/2022. since XX/XX/2022 i keep trying to open an online account and they keep refusing me saying i need to be verified. i told them i dont have transportation, XXXX would be {XXXX} about round trip to the closest one, and i was already verified through my in person visit to that XXXX with my ct license XXXX and ssa card XXXX they still refuse to give me access to online banking. this is the third attempt at trying to open td bank accounts to take advantage of there {$300.00} bonus and {$200.00} bonus for opening those accounts and already completing all the requirements needed to receive those bonuses but its appearing more and more evident that the XXXX XXXX is behind this banking institution and there doing everything possible not to fulfill that obligation of depositing those bonuses. you need to investigate this now and make all the arrests nesasary in order to stop this from happening to future customers. do that now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i had switched from XXXX to XXXX, XXXX was to pay the phones off from XXXX but nobody was responding and i only had a certain amount of time and before i knew it i was being placed in collections. I never got any calls back when i kept asking about paying off the other phones and they were charging me for XXXX that they had told me were free with my phone purchase. I was placed in collections on XX/XX/21 and i had no idea until i checked my credit report to purchase a home. the amount is for XXXX the collection agency they are using is called Southwest credit systems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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 information incorrect

Complaint:
I faxed my social security card, front of my driver license and back of my driver license with a letter yet again requesting Equifax to remove dispute remarks from my credit report. The XXXX XXXX acct in the amount of {$500.00} was opened this year I believe back in XXXX and has never been disputed by me. I totally agree with the balance on the account and the payment history of this account therefore I want the customer dispute remark removed ASAP. The XXXX account in the amount of {$500.00} is still showing with dispute remarks that this account was previously disputed and that is incorrect. I agree with the balance and the payment history of this account therefore again I want all dispute remarks removed from this account ASAP. Finally, XXXX XXXX  XXXX is listed as consumer dispute which is also incorrect. I agree with the balance and the payment history on this account and therefore want all dispute remarks removed from this account ASAP. This is now the 2nd request made to Equifax to have this information removed from my credit report to no avail. Please remove all dispute remarks from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
At approximately XXXX XXXX. on the above date, a person calling himself XXXX XXXX from I Q Data International, at this phone number ( XXXX ) XXXX, telephoned me in regard to an old rental issue for which I am *not responsible*. Using scare tactics and abusive language, he attempted to garner information he is not entitled to, one of which was how much money was in my bank account. He also called my fianc, my fianc 's mother, brother, and other family members, clearly showing that he was stalking me on XXXX, with the intent of stirring up discord and contention and to humiliate me. Near the end of the phone call, when I asked, What are my options? I'd like to move forward, he said, Well,  good luck to you, and hung up. So all of that harassment of myself and my family was for nothing if he actually intended to collect.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan originated as a XXXX XXXX originally serviced by Sallie Mae. In XXXX, it was moved to Navient. I hadn't noticed and it wasn't made clear that when it was converted, it was turned into a private loan. At the beginning of the pandemic, the payments were paused but, it appears that late fees and interest continued to accrue. After the first pause expired in XXXX, they put me back in repayment. My outstanding balance actually increased over the last two years despite the fact that I've been paying again since early XXXX. 

I graduated from college in XXXX with about {$28000.00} of loan debt. It's {$57000.00} now. They pushed me toward deferments during the years I was hardly making any money and it grew and grew.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: EQUIFAX, 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:
Pertaining to the Report Number : To Equifax Dispute Resolutions Team, This is to advice your company of a potential lawsuit pertaining to your scoring system. Attached is a credit file from yesterday, with no changes to the file with a score of XXXX, and today, here is a different score XXXX. <P/>There have been no changes other than positive reporting, and updated positive account information so there is no reason this score should have dramatically dropped in that manner. I wish not to get the Federal Government involved, but I take my credit very seriously. If you have an individual at your bureau, going into my file, and conducting illegal reporting, especially pertaining to my addresses and personal information, I will not hesitate to contact the proper authorities as I do not authorize such individuals to do such things. There have been no changes with the exception of positive reporting, and I would ask that your bureau do a thorough investigation into this matter, as I do not wish to file a lawsuit. My score is not XXXX. <P/>I also opened an investigation on XXXX XXXX XXXX more than 30 days ago, that has yet to be addressed and removed. The other bureaus have removed the fraud collection, but equifax took way too long to remove it. I am in the process of trying to rebuild what so many have tried to ruin, along with my credit, that I was able to salvage from all of the identity theft, and other criminal acts that are being investigated. <P/>I also had a huge concern pertaining to my personal data being released to people who had no authorization to view it, or obtain any information, sale or trade anything pertaining to myself on my credit file. I attached a protective order validating that fact. It seems as though someone within that bureau has been trying to manipulate my credit report and it 's scoring, and that is illegal. Please see the attached protective order requesting this bureau and the others, discontinue with the sharing of my address information publicly as it violates a legal Court Order.
<P/>
For Example, XXXX XXXX reported to the bureau that the account was up to date on the XXXX, and then on the XXXX as you can see, someone went into the bureau system, and possibly manually adjusted the account and stated it was 60 days past due with a balance of XXXX owing and it was n't. Someone went back into the system today, and adjusted it to say 30 days past due {$300.00} when the account is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : -Professional Finance XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Additional unauthorized inquiries on XXXX XX/XX/XXXX : -Professional Finance XXXXXXXX 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 non-monetary relief