BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Not only is it very hard these days to pay such expensive student loans with everyday living, but I feel I have called so many times since ive had my loans XX/XX/XXXX and it just seems impossible. The first couple times they were lowered but when I called XX/XX/XXXX they told me i could n't lower them and there was nothing i could do until i paid off my loans. I get it but a very high monthly payment on top of living in the US is not a easy thing. These company 's need to start working with the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX Experian continue to report an address in XXXX XXXX Michigan where I have never lived. A person with the same name XXXX XXXX XXXX received a speeding ticket in XX/XX/XXXX on the Ohio XXXX which was settled according to XXXX County Court records, and discharged in XX/XX/XXXX with a note from the Judge not to use in subsequent reporting. I contacted a Lt in XXXX XXXX Michigan to advise that I have never lived in XXXX XXXX or anywhere in Michigan. Experian has been advised of same. I have lived in the City of XXXX, Illinois for 65 years. This inaccurate data has been disputed with Experian with documents from XXXX County Court in Ohio, and yet it reports this as a part of credit monitoring. Most recent reporting as of 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 2016-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX I was approved for a Bank of America ( BOA ) XXXX XXXX account with a leased XXXX from XXXX XXXX XXXX XXXX. Before signing the contract, the BOA representative who opened the account stated there was a Buyer 's Remorse period during which I could return the unit without fees anytime before the beginning of the first lease period, which was XXXX/XXXX/XXXX. He also indicated in multiple phone calls that my processing fees were 1.69 % plus XXXX cents per swipe for XXXX and XXXX, 2.13 % plus XXXX cents per swipe for XXXX XXXX, and a XXXX cents flat fee per swipe for all debit cards. He stated that there were no other fees and these were the lowest in the industry such as when compared to XXXX, which has a 2.75 % flat processing fee for all card types. He also stated that holding an active XXXX XXXX account would waive the monthly fees on the Business Checking account held with Bank of America. I agreed to these terms and received the unit. However, I was not satisfied with the experience, and wished to return everything before the lease began. On XXXX/XXXX/XXXX, I contacted my BOA representative and he told me to contact XXXX XXXX. I contacted XXXX, who told me my lease had already begun on XXXX/XXXX/XXXX and I would be responsible for paying nearly {$3000.00} to pay off the lease even if I returned the device. I called BOA back and told my representative, who was shocked and stated that the lease clearly should not have begun until XXXX/XXXX/XXXX and that he would speak to his manager about doing a buyback to resolve the issue. The buyback was approved, and I shipped the device to BOA with XXXX overnight shipping. However, on XXXX/XXXX/XXXX I noticed a withdrawal from my checking account for the amount of {$62.00}, labeled lease payment. I attempted to contact BOA multiple times regarding this charge, and was largely ignored until the XXXX attempt, when they said I would need to contact XXXX to get the fee refunded. I am still in the process of trying to get that fee refunded. In addition, I looked at my merchant statements for the payments I had processed, and found that I was charged many fees in addition to the fees described earlier. For example, it was definitely not a {$0.00} flat fee to process debit cards, I calculated it out to be more like 1.5 %. In addition, the statements are complicated and designed to be confusing and difficult to reconcile. Finally, I was also charged a {$29.00} monthly fee for my Business Checking account, which was supposed to be waived. When I complained about these hidden fees to BOA, they told me to contact XXXX regarding the processing fees. I feel that I was deceived and misled from the beginning that BOA XXXX XXXX would have the lowest fees in the industry, and have found reality to be completely contrary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
They were sent a certified letter in regards to the account. Sent me a letter back stating it was not my account so they can not talk to me about it. So therefore it should not be reporting on my credit report. All correspondence is attached

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 2016-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bakruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?

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 2023-05-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Account was compromised and have been a victim of fraud one of which was in XXXX of 2022 and in the amount of. {$1300.00} and the other {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: MS
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX FKA XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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 XXXX XXXX the consumer, have unauthorized accounts on my credit report that resulted from identity theft. 15 usc 1681c2 says that unauthorized accounts must be rremoved if it is related to identity theft. the unauthorzed accounts are attached in my ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: TX
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 know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Credit Systems refuses to send me documentation proving that this debt is mine. They are unprofessional and I believe this company to be a fraudulent den of thieves. The manager XXXX XXXX hung up on me when I simply requested documents to prove this debt is mine. After, I called back after being rudely hung up on and spoke with a " XXXX XXXX '' who told me that paperwork was indeed sent out. This was weeks ago and I have received nothing from them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which XXXX to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

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 2015-07-13
Company: Mid-Atlantic Consumer Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
RECEIVED NUMEROUS CALLS TO MY EMPLOYER 'S HUMAN RESOURCES OFFICE WITHOUT PROPER IDENTIFICATION, JUST LEAVING IMPROPER MESSAGES TO INCLUDE TO SEIZED MY PAYCHECKS AND JUST BEING RUDE. CALLS WERE RECEIVED ON XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX AND XX/XX/XXXX. 
THESE PEOPLE ARE VERY ANNOYING AND WONT TAKE NO FOR AN ANSWER AND JUST WANT MY PERSONAL INFORMATION SUCH AS MY SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: 2288984 Ontario Inc.
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The state of Maryland has never authorized payday loans. Money Key is in violation of Usury Laws in Maryland and because of this violation I Am not obligated to pay Money Key. Money Key has harassed me constantly since the day the illegal payday loan account was opened. Money Key is threatening to sue me in civil court in regards to an illegal payday loan. I 've paid {$110.00} in fees/interest. Also Money Key has a regular finance charge fee on my statement and then " other charges/fees '' is also listed on my statement. Money Key does not explain what " other charges/fees '' means or where it comes from. I was charged {$30.00} for each {$100.00} of your average daily principal balance and also {$15.00} for each {$100.00} of my average daily principal balance. Money Key tries to illegall lend out money and hide under the guise that they are a " Line of credit '' but it clearly states on their website " Payday Loans ''. When you search for Payday Loans, Money Key is the first to come up on search engines. I have tried to negotiate payments with Money Key but now they are threatening to sue me for triple the amount that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX : XXXX XXXX XXXX XXXX Choice Recovery XXXX XXXX XXXX XXXX 

THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX COLUMBUS XXXX INC./and CHOICE RECOVERY INC. : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX XXXX XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent a few letters to Credit Bureau in order to dispute fraud accounts that I detected accidently by checking my credit report. I submitted dispute letter to XXXX and after my dispute XXXX blocked my report and now I CAN NOT even see my report, besides XXXX didn't even response to my dispute. Transunion not even did investigation, eve thou i mailed my letters via certify mail. 
Here is accounts that should be deleted from my report immediately : 1. This is a duplicate account US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This is a duplicate account DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report 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 2020-10-06
Company: Resurgent Capital Services L.P.
State: NV
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 disputed a collection account on my report numerous times over the period of at least 8 years. The company reporting the account has no information or accurate records that the account is mine and fails to remove the account. They also continue to readjust the date the information was " opened '' on my account. Not only is the information incorrect, the account is not mine, they can't prove it and never have, but it should have been removed from my report a couple years ago but they keep reporting it. When I have disputed it and they have sent a copy of their " proof '', all they send is a one sheet " account summary '' that doesn't show any proof that the account is mine. No signature of mine, no proof of any kind that the account ownership is mine. I am using this as a last XXXX  attempt to have the information cleared from my account before taking this matter to the courts for violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Oklahoma Student Loan Authority
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was diagnosed with XXXX in XX/XX/2021. I was very ill for two months and was not able to work during that time. I reported my illness to TD Bank but did not receive a response back. TD Bank reported a late payment of my Target credit card bill but I could not pay the bill due to my XXXX  diagnoses.

Company response to consumer: Closed with explanation