BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: VA
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 started working for the federal government in XXXX 2011, I called Navient about what I need to do to meet public service loan forgiveness. The customer service rep told me I had to make 120 payments on time without missing one. I 'm into my 6 th year with the XXXX  and recently found out that I need to submit a public service loan forgiveness application ; my agency filled part of it out to confirm my inservice time and employment. Upon checking on the status of my application I was told my loan payments need to be income driven repayment, Ive been in the graduate payment program, paying more towards my loans therefore my payments dont qualify. Navient never told me that I needed to be in the income repayment program and now I feel like I 've lost 6 years of public service towards my loans. Im very angry and loan forgivness motivated me to move and join the XXXX. Im very upset and I need someone to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: N.A.R., Inc.
State: IL
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:
According to XXXX XXXX XXXX, this company Nar Inc is not licensed to collect debt in Illinois. 

I never ever done business with this organization. Ive requested validation from the company and credit bureau with NO results. 

Please Help, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: MRS BPO, LLC
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hurricane maria passed over puerto rico And i need to get water, food, there 's no energy, economy was affected, etc ... 

I call MRS BPO LLC to request moratorium payments but they refuse it I have doubt of the legit of my account with MRS

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: The Bureaus, 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: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: SIMM Associates, Inc.
State: NC
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:
Simm Associates is trying to collect on a file for XXXX XXXX that was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX report so I am filing a complaint. XXXX and XXXX deleted the account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

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 2022-05-04
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-05
Company: Experian Information Solutions 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-05-04
Company: Incomm Holdings Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a XXXX XXXX XXXX bank account / card. In XXXX of XXXX  there was an unauthorized charge. I dispute the charge and initiated a chargeback in XXXX of XXXX. The company InComm Financial Services and XXXX denied the chargeback the same day I disputed before even receiving my dispute packet / affidavit. I asked to reinvestigate in XX/XX/2022 and they have failed and/or refused to respond. They're engaging in totally unethical and illegal behavior. The last 4 of my ssn is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 accounts on my credit report that asked to be removed from my account. I sent 1st letter they verified it. I sent second letter and they verified again. I know they are lying .. So how could they verifying with my accounts being froze. Also there are 2 collection agencys collecting a Dept but both agency 's are using the same account #. It's is again code for 2 collector to collect a the same Dept. They are in violation of sec 609 of my credit report and many more. I have documentation of ever step I took and response.

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 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX and told them it 's a lot of unauthorized inquiries on my credit and that I called some of them on my credit and the number disconnect and some of them do n't have i number the representative told me it 's nothing that they can do and I told them that the company on my credit report multiple time and the representative hang up the phone so I called back and told them the same thing and XXXX have my name wrong on my credit report and my address and I been calling them like 5 times a day to get this right

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 2017-10-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and talked with XXXX in XXXX. I asked her how much I had to pay to settle my debt. She advised me {$1400.00} for me {$1800.00} would include my mother. I advised her that I would saved the money and call back to pay. I called back in XXXX to pay the {$1400.00} that XXXX advised me I could pay. XXXX advised me too late that offer is off the table. She transferred me to XXXX who stated I could pay 10 % of the total debt. Then they transferred me XXXX who advised me I could pay {$1900.00}. I told XXXX I was calling to pay the {$1400.00} that XXXX advised me that I could pay. XXXX stated that they sent me a letter back in XXXX. I advised him that I did n't receive the letter. He stated well I do n't control the mail. I stated how can you hold me accountable for something I did n't receive. He stated that I was hollering at him, which I was n't. I told him that I am having financial difficulties and I have a high risk XXXX. I advised them they were causing me undo stress. I ask XXXX to listen to the recording, because XXXX never advised me of a deadline to when I had to pay the {$1400.00} to clear my debt. He stated that they were not going to listen to the recording. He stated you have made me mad so all offers are off the table you have to pay {$2300.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-07-22
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Without any prior notice, TD Bank has frozen my account and not allowed me to make deposits or withdrawals. Since I opened this account, TD Bank has not sent me ONE single paper statement or allowed me access to my online accounts. They have hit me with numerous overdrafts fees and sent me no letters about these fees. In fact, the consumer agreement sent to me when the account was opened does NOT reflect the overdraft patterns. My attorney and I have already taken notice of TD Banks recent fines by the Federal government for misleading overdraft abuses against consumers. Back in early XX/XX/2020 I requested to have these overdrafts turned off and despite this TD Bank claims there is no such record that it was turned off and claims it was turned ON. This is an impossibility as the account was opened with overdraft services on. The lack of access to my account balance including through automated phone services has made it incredibly difficult to track TD Banks dishonest and abusive overdraft patterns.

If this freeze has anything to do with a prior checking account and credit card fraud from two older TD accounts, I would remind TD Bank that I have all documentation kept from those accounts in which TD Bank cleared me of any responsibility of those debts because of the fraud. And I have documentation from TD Bank acknowledging the fraud occurred because of a TD Bank error. 

It seems very clear to me that TD Bank continues to use abusive behavior that targets the consumer and attempts to back up its dishonest claims by using incomplete account notes from many different customer service representatives from a myriad of departments. Defaulting to any such notes to justify this abusive behavior is unacceptable Let me also make it clear : I do not care what records you have of any letters you have sent, paper statements included. I have never received them and yes my address on file is correct. I am legally entitled to these and shouldnt have to stop in a bank every single day to make sure TD Bank isnt stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: CT
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:
someone from Equifax called me to resolve an identity fraud issue. Said he needed my social security number. I said he does not need this -- he has my number already. 
I gave him the last 4 digits -- he said he needed the entire number. Not sure of what to do I gave it to him, and then said I would record this call as he was recording my call. 
He said I did not have his permission, and hung up. 
The number that called me was XXXX XXXX. I do not know if this is an actual Equifax number, but I do not feel that the person should have hung up abruptly. 
It was they who created the identity theft/fraud problem. If this is Equifax who called they should at least reference the reason the complaint. 
They called today XXXX XXXX, XXXX at approx. XXXX pm

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Related to Report : XXXX. 

1. Letter was never received. 
2. The addresses provided were not my addresses but for a person with a like name with the last four XXXX which is the reason I have requested a copy of the original contract or E- Signature. Person with the same name lived at the addresses in question. Further, all the documents provided, the company has not provided ONE signature on ANY one document. Without an electronic signature or valid signature, can't verify or validate the account is fraudulent. They are only providing my SSN. I have a fraud alert on my files on each credit reporting agency. Currently, XXXX  and XXXX have deleted the files. 

3. Synchrony Bank is a financial institution and under Section 312 of the USA Patriot Act,  must maintain and verify account information to include electronic signatures forms - the company agrees it has no forms. 

4. Contacted XXXX XXXX XXXX by certified mail and requested signed documentation in accordance with FCRA. Company stated they would request information from Original Creditor which company states it doesn't have. This is the second company who has contacted me regarding the same account.

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 2017-10-19
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 sent 4 request for Experian to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Experian regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )

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 2018-03-29
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
After hurricane Irma I was given forbearance on my home loan for 90 days with XXXX XXXX XXXX XXXX   At the end of the 90 days I was contacted by XXXX XXXX that I was expected to pay in full the past 90 days or the house would be foreclosed on. They have also sent to the credit bureau that I was in default and it is affecting my credit score. 
I have been paying my mortgage payment every month and I'm still being threatened with foreclosure. I was told by XXXX XXXX when I signed up for forbearance that the missed payments would be applied on the back end of the home loan and I would keep my same monthly payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation