BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-01
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Navient has a pattern of using abusive and deceptive debt collection tactics to try and collect on my student loans. On XXXX XXXX, 2015, I received an email from a XXXX XXXX XXXX at Navient who asked me to give him a call to discuss my " concerns. '' This was the same XXXX XXXX XXXX who on XXXX XXXX, 2015, also sent me an email asking me to give him a call. On XXXX XXXX, 2015, I did indeed give XXXX XXXX XXXX a call. On XXXX XXXX, 2015, during the phone call with XXXX XXXX XXXX he used abusive, threatening, and hostile language. He threatened me with increasing the interest rate on my student loans if I did n't comply with his demands of continuing to pay XXXX XXXX XXXX XXXX who is a debt collector who was hired by Navient to collect on the student loans. I have filed multiple documented complaints against XXXX XXXX XXXX XXXX ( XXXX ) because of their deceptive and abusive debt collection tactics in flagrant violation of the Fair Debt Collection Practices Act and who are collecting on behalf of Navient. XXXX XXXX XXXX at Navient told me that I had no choice but to keep paying XXXX even though they have repeatedly broken the law, including the FDCPA, and XXXX XXXX XXXX stated that If i did n't keep paying XXXX my interest rate would be increased by Navient and Navient would tack on additional fees and costs to my student loans as a result of not continuing to pay XXXX. I need all communication from XXXX XXXX XXXX to be in writing. He has used threatening and abusive language in the past and I do n't want to be subjected to more threatening and abusive language. The threatening language by XXXX XXXX XXXX at Navient has caused me severe emotional distress. I have over two years of documented evidence against Navient and the debt XXXX they have hired to collect on my student loans. This documented evidence includes multiple severe violations of the Fair Debt Collections Practices Act, severe violations of the Fair Credit Reporting Act, use of deceptive debt collection tactics, use of threatening debt collection tactics, misrepresentations, and unfair business practices including excessive fees and collection costs. All these violations have caused me severe emotional distress and health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: ALLY FINANCIAL INC.
State: MS
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:
XXXX, XXXX  and XXXX is reporting this repossession inaccurate on my credit report. First XXXX  and XXXX is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX and XXXX is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

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 2015-12-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I graduated XXXX in XXXX XXXX and could n't find a job until XXXX XXXX. But my private loans would n't put me in a deferment status saying I used it all up when I graduated XXXX. Now my loans are close to default and I 've tried to make payments once I got my job but then was let go and they do n't care and are about to default my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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 non-monetary relief
Consumer complaint received 2021-11-10
Company: Account Control Technology, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

ACCOUNT CONTROL TECHN is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 explanation
Consumer complaint received 2020-11-11
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently obtained a copy of my credit report and I notice that it was an inaccurate acccount on my report. I have attached my FTC report ( reference number XXXX ) and my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 authorize nor consent to the following inquires being furnished on my consumer reports. 
1XXXX XXXXXXXX ( Bank ). XX/XX/XXXX 2.XXXX XXXX XXXX XXXX ). XX/XX/XXXX 3.XXXX XXXXXXXX ( finance ). XX/XX/XXXX 4.XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX 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 2017-08-28
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Trans Union credit history this year and saw there is an account reported as previously-delinquent by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). There is no balance reporting as the account was transferred, and it has been more than 7 years since the date of original delinquency. However, it continues to remain on my credit history since apparently XXXX XXXX XXXX  reported no date of original delinquency. 
I have attempted to dispute the account with TransUnion and it continues to come back as accurate, with no changes. TransUnion has a responsibility to make a reasonable investigation into these disputes, yet instead just updates the same missing/inaccurate information. I have no idea how Trans Union accepts verification of an account which is missing any reported date of original delinquency. So, instead of dropping off my report in the allotted time like it 's supposed to, it remains 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 explanation
Consumer complaint received 2021-11-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX I came to find out that this company had breached my checking account & removed over {$2.00} in two separate transactions, all on XX/XX/XXXX. I immediately called the fraud department & reported this as a fraudulent charge. The report was taken & I was told to expect a follow up from my banking institution. I never received a follow up so I went back to my local branch so a representative could help me further. It was days later after my initial first call to report this illegal transaction, when my local branch representative was on the phone with a fraud specialist - thats when, & only then is when I was made aware that this same company had already breached my account in XXXX of this year .it was at this time that my representative from my branch asked the fraud department agent what was the necessary steps we needed to take. We where instructed to start a claim for the fraud charges that I discovered on XX/XX/XXXX & the fraud department agent said that she would fill out the case for the fraud charges that happened in XXXX, which she apparently did .The problem I have is that my banking institution has credited me for the fraud charges made on my account in XXXX, but is refusing to credit me for the fraud charges that happened on XXXX- all because of a technicality of the dates of when this fraudulent charges happened & when they where reported, never mind the FACT that my banking institution never once called or notified me of the fraudulent charges that happened in XXXX nor did they catch or report the fraud charges that happened in XX/XX/XXXX. I have been to my local branch on 3 separate times, totaling over 6 hours of wasted time & numerous hours on the phone trying to plead my case that this is FRAUD,- PLEASE HELP ME- this total disregard on my financial institutions part.

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 2017-02-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
A couple of years ago, I made a XXXX purchase on a Target Credit Card at Target. {$35.00}. 
I then went o XXXX until XXXX. I found the {$35.00} in the mail upon return, now being charged $ 100+ in late fees. I paid it in full after getting one month payment voided, then tore up the card and forgot about it. Recently I learned that this is the only delinquency on my credit report, and that the amount is not specified, classified as a " serious '' delinquency, and XXXX tells me it will be on my report FOR 10 YEARS! Nothing they can do, nothing Target can do, so they say. Can you change this? Can you get effect a rule change whereby delinquencies below a certain amount are treated less severely, like under {$100.00}, must come off the credit report once paid, and maybe a sliding scale based on the amount and time of debt owed, like $ XXXX-2 years, XXXX $ +, 5 years, etc. Please respond, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Recently I was informed that I have a loan with a company called Navient. I explained to the representative that I was unaware of any private loan and that I am unable to pay the loan at this time. I also explained that when I consolidated my student loans I was told this would include all of my student loans based on the ( NSLDS.ED.GOV ). I have explained that I am on an income based program with the consolidation of my student loans ( Direct Loans ) with determined that based on my current income my income is not sufficient to make payments at this time. I asked the representative for any options on cancelling or doing something similar with this loan payment she stated there are no options to do that and that I should ask my XXXX grandmother who does not work to help make the payments. I am not sure how she expects and elderly woman that I care for and support to make payments either. I truly feel she did not intend on helping me an any way!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: SYNCHRONY FINANCIAL
State: TN
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:
In accordance with the FairCredit Reporting Act. Synchrony Financial has violated my rights. Under 15USC1681 section602 states i have the right to privacy. 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on credit card account under an open installment plan as late.

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 2022-05-31
Company: EQUIFAX, INC.
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, has viol ated my rights. 


15 U.S.C 1681 section602 A. States i have the right to privacy.

15 U.S.C 1681 section 602 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 2022-05-31
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: Reporting company used your report improperly

Complaint:
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 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 2. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please BLOCK this account from credit report 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 3. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 4. ID TXXXX XXXX XXXX XXXX Account XXXX : XXXX Please BLOCK this account from credit report 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 5.XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 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 2016-03-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a XXXX year old victim of check Fraud. I hired a handyman named XXXX XXXX. He stole numerous checks and forged my signature. The signature on the checks that he forged was very different from my signature. I never authorized him to sign the checks. TD bank cashed the checks totaling {$8600.00} without confirming the signature and assessed me another {$1500.00} in returned check fees. I could not address this because I was in the hospital and XXXX following XXXX. When I was physically able to challenge the forged checks TD bank only refunded {$2600.00}, stating I took to long to challenge the other {$6000.00} and they refused to credit me the returned check fees that were caused by TD Banks acceptance of the forged checks. I want TD Bank to refund all of the forged checks, ( {$6000.00} ) and to credit my account for the returned check fees caused by their failure to reject checks that did not match my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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:
I need the accounts removed from my reports that don't belong to me.

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 2017-01-29
Company: SQUARETWO FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XX/XX/XXXX Debt collection enter Judgment/and order me to pay. XX/XX/XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XX/XX/XXXX Debt collector agency mailed me an letter demanding for full payment XX/XX/XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XX/XX/XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XX/XX/XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XX/XX/XXXX- XX/XX/XXXX. another Debt collector demanding full payment past 2 years this 2nd debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XX/XX/XXXX Judge close the case. Debt Collector reopen XX/XX/XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XX/XX/XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XX/XX/XXXX court day Attorney always order phone appearance. 
XX/XX/XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XX/XX/XXXX Debt Collector mailed court order for court day XX/XX/XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XX/XX/XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.

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 2022-09-17
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good morning, I am writing because I received a letter from you about a payment of {$35.00} which I am not sure I have not paid and in which it refers to a laboratory service, since these services are ordered to be performed by my primary physician and in general, the co-payment is always canceled at the time of taking the exams. I have no information about this since they changed my lab for these tests. Perhaps I did not receive the collection receipt since I was away from home for a while and they could have thrown it in the trash. Actually, I do not know. but I do know that I have made all my payments. I think I missed this one ... and I really don't have any billing notification from XXXX XXXX and I don't really know why these tests wouldn't charge me at the moment. 

I await a response on this inconvenience to give it a quick solution

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 2017-04-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with non-monetary relief