BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX  XXXX  has violated my rights. 
15 USC 1681 Section 602 A 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 written consent.

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 2015-05-10
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX the XXXX XXXX XXXX XXXX Office of Finance sent to me a notice claiming that I owed a business tax on income generated in XXXX and XXXX. This is impossible, as I was involved in a tax-exempt activity ( creative writing ) recognized by the XXXX of XXXX XXXX as a tax-exempt activity. I also qualified for the small business exemption, though I never had a business. Furthermore, I was exempt in that I never generated enough income to qualify for the business tax. Since this time, the XXXX of XXXX XXXX has sent this erroneous debt to several debt collection companies, all of whom have been unable to verify the debt, and have dropped it. Yet the collection companies keep coming after me. Municipal Services Bureau ( MSB ) viciously harassed me and tried to force payment on this erroneous debt back in XXXX XXXX. After addressing the matter with my attorney they dropped the debt. Now they are coming after me again. They have sent to me a bill from the XXXX of XXXX XXXX and claimed that this is verification. An erroneous bill is not verification of a debt. There is no debt. To state it clearly, NO TAX WAS EVER OWED, AS I QUALIFIED FOR XXXX DISTINCT EXEMPTIONS. Collecting on this debt is an act of fraud, negligence and incompetence on the part of collectors and the XXXX XXXX XXXX XXXX Office of Finance. Municipal Services Bureau is engaging in debt collection harassment. I strongly suggest that the FTC investigate MSB and the XXXX XXXX XXXX XXXX Office of Finance. I will never pay this erroneous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: LTD Financial Services, L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the past XXXX XXXX XXXX XXXX months I 've received phone calls for someone referred to as XXXX XXXX XXXX for an owed debt. I have owned the current contract number for four ( 4 ) years prior to receiving these numerous calls. I 've repeatedly informed the company I do not know anyone by this name, and have owned this telephone number for years and to please stop contacting me and the company employee just hangs up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in an accident and their insurance company was responsible for my medical bill. I contacted them advising them of this information. I also sent documents of the company and I communicating on a settlement amount. I advised the creditor that once the company had settled it could be paid and could it be removed. Though it is my bill this company was responsible for paying it. I sent a copy of the settlement check and asked could the debt be removed because I was never responsible for the debt the insurance company was and that I would be willing to make arrangements to pay it. Instead of them understanding that an accident took place is the reason a bill ever came about and that company was responsible for paying the bill. All this was sent in writing with the companies name and settlement information and info saying that they owed the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been meticulously following the rules for public service loan forgiveness ( PSLF ) for the past 12 years. I made sure I was in the right type of loan, the right type of payment plan. I had a total of XXXX total direct loan sequences, XXXX with the same loan counts, and XXXX other consolidation loans with the same loan counts. I was told repeatedly by FedLoans servicing that there was no point in consolidating my loans because they were all Direct loans and that consolidation would reset my payment counts. In XX/XX/2021, sequences XXXX and XXXX were forgiven and for that I am extremely grateful. In XX/XX/2021, the waiver was announced and I learned that if I had been able to consolidate my loans under the waiver, all of my loans could have gotten the higher payment count and be forgiven. It just feels like the rules keep changing and that at every step of the way, I have been given bad information by my loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX, and upon completion my load was sold to Dovenmuehle Mtg. In XXXX they sold my loan to XXXX. Within the first 30 days XXXX notified me they had not received my XXXX payment, as it was sent to Dovenmuehle. Upon reaching out it was corrected, BUT THEN I was hit with a escrow shortage. I am not sure how that is possible in the first year of owning a home, but I called to find out Dovenmuehle claims to of sent me a escrow overage XX/XX/XXXX. I never received such check but was informed I would need to call them. I called XX/XX/XXXX to be told they needed 2-3 business days to research and then I WOULD HAVE TO CALL BACK. So I reached out XX/XX/XXXX to ask what was discovered. I was told that they would need to issue a new check and that would take 3-5 business days. I called XX/XX/XXXX to be told a check would be mailed out and it would take 7-10 days for me to receive. Due to the holidays and the plandemic I gave it some extra time. I called again XX/XX/XXXX to be told they do not know where my check was and that they would need to escalate my issue and someone would contact me within 3-5 business days. Here we are 8 days later and I am now being told that they can not do anything to help me for 30 days. And there is nobody to speak with, that I can leave a VM for a supervisor. They are harboring money, and owe me {$890.00} and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX XXXX, 2022, I sent letters to the consumer reporting agency to notify them about the inaccurate information on my consumer report. I even attached a copy of my driver 's license. I am in distress and this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-04-18
Company: EQUIFAX, INC.
State: TN
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:
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Equifax, XXXX, XXXX XXXX are reporting incorrect information they have allowed XXXX XXXX XXXX. XXXX XXXX XXXX. I have asked both companies for validation of these debts with the original contract and they have refused to provide the original contract proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Aqua Finance, Inc.
State: FL
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 unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AQUA FINANCE Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Accociates says that I owe them {$7100.00}. I believe this debt to be paid off as it was paid in full to the original creditor XXXX Bank long ago and I believe that this attempt to collect said owed debt is time barred, let alone paid off Portfolio Recovery has also soft pulled my credit reports over the last year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently purchased a cruise with XXXX XXXX through XXXX XXXX and placed the deposit on my debit card. My reservation number with XXXX XXXX XXXX was XXXX. It was to leave XXXX XXXX from XXXX. I had to cancel the cruise and was due a refund of {$450.00}. I received half of it back on XX/XX/XXXX as an atm/checkard purchase credit from XXXX/XXXX/16. XXXX credit for {$70.00} and XXXX credit for {$150.00}. It was credited to a mass compromised card ending in XXXX and had to be manually posted to the account. The remaining {$220.00} has not been refunded. I was able to get a tracking number from XXXX that they said came directly from the bank XXXX XX/XX/2016 at XXXX. This is not XXXX 's tracking but Bank of America 's tracking stated that they received this credit in the amount of {$220.00}. Every time I speak with the bank and try to file a claim, I am told they dont have it and to go back to XXXX. The bank will not even take a claim from for the missing credit XX/XX/2016and I have tried ever since the original manual posting of It 's {$220.00} and I want my money back. The bank has it, they just cant find it and they are not willing to help me. Again, I received {$220.00} already but this is for the other {$220.00} from the above tracking number.

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 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient had collections agencies calling me saying they had my account. Multiple agencies a day would call. I contacted navient and they gave out my information to these agencies. My account was NEVER IN COLLECTIONS and I lost all of the money I had been paying monthly to this agency that claimed they had my account. Navient is horrible and was no help and just lied and stole my money. They refused to let me defer my loans and fold me this was not an option. This has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year and a half, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2021-01-28
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During my XXXX  appointment today XX/XX/21, I tried to use my Care Credit card only to find out that Synchrony Bank  closed it six days prior on XX/XX/21 without any notice. This was a unexpected XXXX  emergency and I had full expectations on using this card due to Covid and shutdowns money is tight. I called and was told that I could reapply. I only had the Care Credit card for less than one year and never made a charge with it. I have several cards through Synchrony Bank which have all been paid on time. For a company to do this in the middle of a pandemic all while posting that they are here to help during this time is so contradictory.

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 2022-04-18
Company: Thaxton Investment Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call from XXXX XXXX with XXXX XXXX XXXX XXXX regarding a debt, account number XXXX. I communicated to her that I've been paying the debt for 5 years, and it hasn't decreased. I told her that I'm being charged interest daily. I then proceeded to attempt to say that I've tried settling ; however, before I could state this. She said okay, I'm going to recommend my client to file a lawsuit. She then disconnected the call. I called her back, and the call went to voicemail. I've been paying {$60.00} or more, monthly, on the debt since XX/XX/XXXX. The balance has not decreased. The balance started out at {$2900.00}, and is now over {$3000.00}. I attempted to settle ; however, they would not allow a settlement. I've paid over {$3000.00} on this debt in the past 5 years. I filed a complaint before, and XXXX XXXX was upset, and mentioned it to me. She is now retaliating. The most recent payment was made in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List account attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with 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 2022-04-18
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: Old information reappears or never goes away

Complaint:
My address is no longer valid and other consumer reporting agencies snd TransUnion and XXXX dont update. They all havent changed my delinquent loans no longer legally delinquent but rather large loans in good standing.My XXXX XXXX XXXX is right on some reports and wrong on others a disputed account in collections involving identity theft years ago is off some reports snd not others. My phone is incorrect. 

Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone 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 2020-06-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My beau, XXXX XXXX, and I opened a joint account with navy federal. During the application process, XXXX selected the incorrect option to establish his eligibility. He thought the selection he chose was for household eligibility. However, he received an email today requesting a marriage certificate. It's already taken a few days too long to open the account and was wondering what the delay was. No one from the membership department reached out by phone to inquire or to offer a solution ; yet they sent an email. I called the bank customer service and reached an operator agent named XXXX. After explaining to XXXX several times I am the joint owner, which means we both own the account 50/50 and im already a bank member. The issue could be fixed internally, especially after I reiterated we are not married. In the wake of COVID19, NFCU is trying to compel me to leave my home to visit a branch like the XXXX didn't just report 30,000 new infectons this week. XXXX refused to give me his supervisors name nor would he provide additional identifying information to locate him. I asked XXXX seven times to speak with his supervisor and he refused. He taunted that he would not lose his job and he was very secure. The call being recorded on my end as well, I am definitely sending to XXXX. I have been a member with NFCU for a while and never have I ever had such a disgusting display of customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A company by the Name of XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) and has parked a debt that has been recalled by XXXX XXXX just last month. I never received a letter or a phone call from this company that has parked this account and placed it on my credit report. I would have disputed it directly with experian but for whatever reason i ca n't seem to dispute this online. XXXX XXXX XXXX never gave me my right as a consumer to validate this debt, they never sent me a letter, or a phone call, if they would have, i would have informed them that this debt is paid and has been recalled by XXXX last month. I want experian to act to remove this item immediately and prevent grant and webber from tarnishing my credit. I have attached my credit report and highlighted the item in yello.

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 2022-12-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my account without warning yesterday and did not disclose the reason. It's the second time I experience my account being locked by them without reason but the first time they locked and also closed the account. When I called to ask what the reason was for the decision, the two employees I spoke with both said the bank did not leave a reason in their " review '' of my account, and that the decision would mean I would no longer be able to open an account with them in the future. I opened a credit card account with them a little over a year ago which I was experiencing difficulty paying due to unemployment/housing instability. When I became employed earlier this month, I decided to open a checking account with them because I understood this to be the easiest way to start repaying my debt and a show of good faith in my ability to do so with a direct deposit from my employer, a reputable cultural institution in XXXX -- also a client of Chase. They closed my account without warning within a week of my opening the checking account with them -- before I even received my debit card in the mail from them, in fact -- and this is not only putting my ability to pay rent on time at risk but my entire living situation as well since I now don't have a reliable way of making electronic payments. I'm incredibly shocked and disappointed by the bank 's behavior. It's dishonest and borderline criminal, fine print notwithstanding.

Company response to consumer: Closed with explanation