BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: TN
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 New and Relevent Information : After reviewing your response to my dispute letter of the accounts listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX Account XXXX Experian is saying that date of last activity was on XX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX Account XXXX XXXX  is saying that date of last activityXX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX  Account XXXX XXXX  is saying that date of last activity XX/XX/XXXX Experian is saying that date of last activity XX/XX/XXXX XXXX  is saying that date of last activity XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX Experian is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX 1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

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 2016-05-25
Company: Credit Karma, LLC
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Wrong address never lived there : XXXX XXXX XXXX XXXX XXXX, NY XXXX

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 2021-08-10
Company: DISCOVER BANK
State: CT
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : DISCOVERBANK Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.

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 2016-03-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out XXXX loans in XXXX and XXXX to supplement my federal loans. The total was {$8100.00}. My Dad helped me out and paid the set payment fee for two years ; this was approximately {$80.00} a month split between the XXXX loans. The interest rate has constantly changes around XXXX depending on which loan. It has now been 10 years and I have barely made a dent on the loan. As of XXXX XXXX I was told I would have XXXX more months of repayments-14.5 more years at {$65.00} a month. I am not the best at math but with an interest rate at 4 % I would have {$230.00} in interest a year, {$19.00} a month and yet, when I have been paying {$100.00} a month ( recently ) only {$43.00} knocked off the balance. Where does the other {$57.00} go to? 29.6 % interest? As of XXXX XXXX they started combining the loan information onto XXXX statement. Then I noticed that my payment statement shows the {$100.00} payments but that only {$55.00} has been applied each month. I do n't know where the rest of the money is going to. When you call AES you get mysterious hang ups/long wait hold times over an hour, etc. A person is given the run around. my loan balance is {$5700.00} from {$8100.00} in 10 years of payments! That was {$7200.00} ( at least because multiple payments over the monthly payment due ) in that time period. If my calculations are correct, interest at 4 % on the principal balance to start would have been {$320.00} a year which of course decreases with payments. Even with that, that would be {$3200.00} in interest over 10 years meaning I have paid ( at least ) {$3900.00} off on my loan. Yet, according to my statement I have only paid off {$2300.00}. Please help, I am doing all I can to be responsible but this is disheartening on top of the federal loans I have to shoulder. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Suntrust closed my checking account, due to inactivity, without informing me, and has sent the {$5000.00} to state of Virginia. After dozens of calls and visits to bank, including escalation, no one is helping me get my funds. The label " inactivity '' is incorrect because the checking account has a monthly direct debit to pay a Suntrust 2nd mortgage for the last 5 years. The only reason I ever set up the checking account was because they reduced my 2nd mortgage interest rate by .25 % for arranging the account and auto payment.

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 2021-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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 and purpose.

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 2015-05-02
Company: Concord Resolution Inc (Closed)
State: NJ
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Around XX/XX/XXXX-XX/XX/XXXX i made a big mistake & borrowed from a couple of pay day loans. They were paid back and over a period of time requested me to re borrow. Unfortunately, shortly afterwards, I started receiving calls from different people with heavy XXXX accents requesting money. At first, i thought they were from the same company i had paid off since it was done on line. Unfortunately, I did not realize until someone called saying i still owed on my pay day loan. As soon as I pay another person would call threatening me for payment. Once asked for what loan, they would just for a pay day loan and I was going to be arrested. There has been times, money was taking from my account without authorization. Once I realized what was going on, I went into my bank. The bank inform me to be careful because they have seen this happen to other customers in the past. It was suggested to make a hold on my account. Prior to me realizing what was going on, I even purchased prepaid cards to avoid problems and overdrafts to my account. I realized my information was given out to other company 's through the web because before I knew it, there were several lenders claiming i owe them. At this time, I started hearing about more and more people getting scammed. Therefore, I went to the police department and filed a complaint. I gave the names and numbers of different representatives. I was embarrased and was told I should have never borrow that way and especially sharing my information on the web. Unfortunately, I had gone through a separation and was in a financial dilema. However, I was advised to close my accounts and be careful with the internet. I admit during that time, I was not that familiar with how the internet worked. I called credit bureau 's and put security freeze/fraud alert on my accounts as advised. To date, it still remains. I feel it is time to take action because about 3 weeks ago I just received a call from Concord Resolution who now say {$480.00} is owed and they represent the company that got me the loan in XX/XX/XXXX or XX/XX/XXXX. They claim since my account was closed they could not collect. Again, this is strange because why i have to pay a company who got me a loan for what I borrowed when fees are already included. Lord in behold, XX/XX/XXXX, a call from a XXXX XXXX who represent a company say {$500.00} is due. I truly want to stop this because i spent a few thousands in the past. I plan to retire and can not redo this XXXX again. It effected emotionally and financially as well. Continental representative could not give me the name or the address of the company. I will look back and give names & phone numbers I guess when needed. I have so many names & numbers until it is confusing and very stressful to me. I would never borrowed in this manner and not pay what i owe. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2016-10-26
Company: Stellar Recovery, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding balance with XXXX XXXX in the amount of {$750.00} with an original XXXX account # XXXX. I had been receiving collection letters from Stellar Recovery, and eventually I paid this account through a settlement on XXXX XXXX, 2016 in the amount of {$220.00}. I have received a settlement letter from Stellar Recovery on XXXX XXXX, 2016 and the account has still not been removed from my XXXX credit bureau as of today. It is actually showing up on my bureau as I opened the account on XXXX XXXX, 2016 and is showing a negative balance and it being late last reported XXXX XXXX, 2016 with a negative balance of {$520.00}. I am trying to purchase a home and my FICO recently went down XXXX points this month and my credit report is showing an active collection. I have tried calling Stellar Recovery and keep getting the run around every time I call them and can never speak directly to a collections manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Shermeta Law Group with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like XXXX XXXX. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Bank of America are reporting my information to the credit bureaus with a wrong name. 
My Name is Mr XXXX as federal documents can proof. 
Bank of America are reporting as a XXXX XXXX, my accounts with them was always Mr 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 2021-08-10
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2016-12-17
Company: Pinnacle Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Pinnacle Credit Services removed a collections account from my credit report, they then reinserted it into my report WITHOUT sending me any notification whatsoever. I have asked that the company provide me with some sort of original document or final bill to validate the debt, the amount of last payment and they have not attempted to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For more than XXXX days, the family of XXXX XXXX, through the Administrator of the estate, has been trying to get the HUD Redemption payoff for her home. Freedom Financial is the lender is intentionally stalling in order to avoid or stop the estate from purchasing the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Remex, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I never get bill from hospital after my XXXX in XXXX, because they record my address incorrectly. 
Then in XXXX I started to receive calls from Remex Collection. 
They were very abusive, rude and called me every other day. 
I asked them to provide me with the copy of the bill but they refused it. 
I called to the hospital to get bill and finally got it. 
So I called to Remex to arrange a payment plan, but they disagreed and were really rude again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX, the CEO of Discover directly discriminated against me for usage in good faith and enforcement of my rights by closing my accounts after a failed billing error dispute in which XXXX XXXX XXXX, did not proceed with a proper investigation, after questioning the accounting information and the interest that was accumilated during my accounts in good standing, after his facility losing several of my payment instruments, after requesting the security information and bond serial numbers, after requesting my portion of the interest XXXX XXXX XXXX, collected by selling my information to third parties and lending out my illegally and corceced finance charge I was led to believe I had to make in order to obtain credit, my accounts were closed and my rights to credit violated, my payments blocked and lost. Many disclosures were not provided such as the form to right to reccession, and many others. XXXX XXXX XXXX refuses to remove inaccurate reportings on my consumer report which is now considered libel and slander thus he directly has defamed my character and consumer profile. XXXX XXXX XXXX, has caused me direct harm and injury and that to my family as well, such as mental anguish, XXXX, defamation. emotional distress, financial harm, etc. In the CFPB publishing credit reporting is VOLUNTARY under chap 3.1.1 and XXXX XXXX., outright refused me my right to this voulntary system. I was unaware of many things such as the rates for cash advance at a store counter, XXXX, and the atm which are all very different. I have revoked the right for Discover to furnish anything on my consumer reports and have requested the tradelines removed over three times, with each tine ending in denial and violation of my rights. I have requested the 1099C since a charge off by the IRS definiton is actually INCOME which is 100 % ILLEGAL and unlawful to report on a consumer report again with harsh denial. I have been notified this company has been submitting 1099 A, B, and C 's behind my back without proper disclosures to me and on my behalf without ackowledgement using electronic signatures in lieu of my actual signatures thus committing fraud however although they dio not deny it and some have admitted it then blocked my access to my account, they refuse to allow me to review them. I have sent them UCC 9-210 request with definitions and instead of showing me the books and numbers to see how much money they have made off me they send me account summaries of my spending. I am sadden, embarressed and fustrated. I only want the truth and to stop being taken advtange of. I am the orginal creditor since my signature created the credit out of thin air and they have my social security card and number of it which is the orginal credit card according to federal laws 15 usc 1602 et seq.

Company response to consumer: Closed with explanation