BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have secure credit card open with XXXX  XXXX 2012, the collection agency reporting the amount that I pay to open the secure credit card, I ask for the last few years, both the bank and the collection agency to send me the contract and both said they don't have it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My Fed loan repayment is with Navient. I have been scheduling my payments, it goes through but they say they never got it or my information was incorrect which is strange because it wo n't give me payment confirmation if it was n't correct. And because they never withdraw money, they keep accumulating interest on my payments, in XXXX i payed my monthly payment and two weeks later, i payed the same payment with overcharge and i just received a letter that my scheduled payment did n't go through and that my auto pay is cancelled and i will incur more over charges. i do n't know what the XXXX Navient is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from this company demanding payment for a debt that I do not owe them. To my knowledge I have never entered into a legal binding contract with this company and they have never provided me with any good or services. I believe them to be nothing more than a debt buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To Whom This May Concern ; Someone opened up a TARGET Credit Card in my name. They have my Social security number as well as other important information about me. The card was opened on XX/XX/2020 on line. The TARGET store is located in the XXXX XXXX in XXXX on or by XXXX XXXX. The credit line was {$1000.00}, but only {$100.00} was available and put into the person 's mobile wallet to use. They used {$67.00}. I have NEVER APPLIED for this type of card at this store. I have spoke to a XXXX and a XXXX at XXXX This number is to the TARGET Credit Application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Since XX/XX/XXXX I have been participating in the XXXX program via my MasterCard through XXXX to repay a portion of my student loan balance. To date everything has gone smoothly but today when I logged into my account I noticed that over {$190.00} that I earned in cash back was no longer showing in my account, nor was it applied to the balance, in fact Navient says that have no record of it. I immediately contacted them and they were less than helpful, in fact the floor supervisor told me they are no longer participating in the program. I asked since we and he told me for many months, i challenged him and told him that was untrue and all you had to do was look at the cash back that was applied on XX/XX/XXXX as proof that the program was still in effect. 

I am looking for help in resolving this discrepancy and to have the money I rightfully earned in cash back immediately applied to my outstanding balance and to have any and all interest charges related to their failure to apply said funds to be immediately removed from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The issues is I have been given a XXXX determination and have been trying to get my private student loan discharged by Navient. The loan in question has a co-signer, it took me three attempts to find a co-signer that they would accept. At the time of my XXXX I had XXXX private with Navient, they discharged the one that did not have a co-signer and have determined that based on my XXXX I am no longer responsible for the loan. I feel that the co-signer should not be held liable for this debt, because at the time of her signing off on the loan ; I was healthy, going to school full-time and working full-time. So, based on that it was represented to her that I would be able to work and pay off the loan. Navient has decided, that my co-signer is able to repay the loan so they are making her. I feel that in this case the co-signer should not be held liable and the loan discharged just like they did the other XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX XXXX and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted XXXX on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including XXXX, XXXX, & TransUnion which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXXAuto Loan-opened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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: Information belongs to someone else

Complaint:
A XXXX XXXX ACCOUNT WAS PLACED ON MY EXPERIAN, XXXX AND XXXX   CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, EXPERIAN, XXXX & XXXX CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT 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 2016-09-22
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, CA XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 explanation
Consumer complaint received 2021-10-03
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have not received a bill or replacement card from this company and they continue to charge me late fees. I cant log into the account online because it says youre account is currently unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Refuses to provide me the original creditor 's information, which supports that XXXX XXXX has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if XXXX does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against XXXX. Transunion and XXXX  are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true

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 2022-09-01
Company: EQUIFAX, INC.
State: IN
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they have violated my rights numerous of times. I demand the inquiries below to be deleted/removed from my Equifax because according to 15 USC 1681 , I have the right to privacy and I did not give Equifax written or verbal permission to furnish information to these creditors. 

XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX CompanyXXXX DateXXXX XXXXXXXX, XXXX XXXX Collection Agency XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In accordance to the fair credit act this creditor violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy 15 US C 1681 section 604 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666 B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2020-03-24
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Please refer my earlier complaint ( XXXX ) about this credit card on XX/XX/XXXX. At that time also this company closed my credit card account for no reasons. After complaint to CFPB they reopened my account. 
Now on XXXX XX/XX/XXXX - they closed my card again. 
I have a credit score of XXXX. Their reasons are weird. It brought down my credit score also. I was provided no notice or warning before Barclays did that. Tried calling Customer service XXXX twice - very very long wait time. After successful verification, call getting disconnected. 
XXXX is a usual offender and nothing can be done against this hopeless company. 
In the COVID-19 outbreak - what this company think that i go out on shopping for their credit card? They are inhuman

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a payday loan with XXXX XXXX in XXXX of XXXX. It became delinquent immediately. In XXXX of XXXX, they turned the collection over to XXXX XXXX XXXX. The obsolescence date for the 7 year time frame for falling off my file would have been XXXX. But XXXX put that date as XXXX ... when they received the collection. This is a violation of my federal rights. I disputed this with Trans Union and they left it on my file.

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 2017-05-25
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A perpetrator falsified my personal information and influenced the office of inspector general. The perpetrator claims that the ring of defrauders are researching on a complaint or complaints. The perpetrator particularly evaded  XXXX  after th e OIG and  whistleblower office knowingly or unkowingly helped a retaliating bully abuse authority and fund a plagiarism and ring of malfeasance abuse fund from  XXXX . I suspect malpractice or simply dirty.

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 2022-08-04
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-03-24
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX contracted a third party debt collector named ACSI to debit my account in the amount of {$1200.00} on XX/XX/20 claiming a lease payment agreement. I disputed with my bank the following Monday because I never authorized this transaction. Also I am no longer a XXXX customer. The bank notified me stating XXXX claimed I never returned the devices and I signed a contract. This was a lie, I located emails showing I returned the devices and that the company that debited my account is a third party debt collector posing as XXXX. I never got anywhere with the bank because although I provided supporting documents and complained with the State they came back and reversed the credit. I had no knowledge at the time of what was about to take place nor did I authorize this amount of money to come out of my account. I have suffered hardship due to this fraudulent act.

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 2020-03-24
Company: Service Finance Holdings, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They withdrew the {$85.00} for XXXX payment on the XXXX of XXXX, Sent me a letter stating they had not received payment around XX/XX/XXXX. On XXXX statement they then said they received the payment on XX/XX/XXXX but had charged me extra interest of {$2.00}. I have been fighting with them to get this corrected with no avail. I have stated repeatedly i will only talk to their legal department at this point and they continue to call me. What has been committed here is both Fraud and breach of Contract so I  refuse to pay any more on this loan do to the lack of listening and harassment of phone calls late at night on weekdays and early mornings on Weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account Number : 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-09-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account Number : 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation