BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: VA
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, Im living human being, I have rights under 15USC 1681 Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be romove because According to the 15 USC 1681 I have the right of privacy and I did not give Equifax written permission to furnish these accounts..my Hippa rights been violated also collection angency has to much information about my medical situations also my name was in the Equifax Credit Breach XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: NM
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:
Equifax is not responding to my requests to investigate, verify and remove accounts in my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX I sent a registered letter to XXXX XXXX XXXX regarding account # XXXX about their reporting of this account with all 3 credit reporting agencies. My complaint was their reporting a late payments some 8 times. I requested validation that this was even my account by proving my signature and while this was going on to list this as disputed. This account was also listed as the credit line was closed by the grantor. 

I sent a second letter on XX/XX/XXXX giving them an additional 30 days to provide this information and informing the credit bureaus that this is disputed. 

Since they have refused to provide proof that this debt is/was mine they are defaming me and my name, lowering my credit score which requires me to pay much higher interest for any future loans and the inability to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid my car off on XXXX XXXX, 2017 with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!

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 2017-08-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid my car off on XXXX XXXX 2017 with XXXX XXXX XXXX.
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}.
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days.
Somebody please help me im at my wit 's end.
Someone please do something!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted numerous letters to Transunion about a account that is reporting incorrectly. 

XXXX XXXX XXXX # XXXX - The account has been charged off, however Transunion is reporting a balance and past due amount of {$24000.00}. I have asked for this to be removed however they continue to say it is confirmed. A charged off account can not be past due or still have a balance. 

This information is not listed on the other credit bureaus ; therefore, I find it hard to believe that TransUnion has verified it. I have requested to have information regarding their method of verification, however all that is provided is a copy of their finding with no additional information. They have failed to provide me with verifiable proof which is a violation of FCRA and I request to have this account removed from my credit report. 

Date Letter USPS XX/XX/XXXX Information Dispute XXXX XX/XX/XXXXXXXX XXXX Response Dates Updated XX/XX/XXXX Information Dispute XX/XX/XXXXXXXX XXXX Response Update : Not Specified XX/XX/XXXX Information Dispute XXXX XX/XX/XXXX Request for verifiable proof XXXX XX/XX/XXXX Inaccurate Data/Info Dispute XX/XX/XXXX Transunion 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 non-monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, Im living human being, I have rights under 15USC 1681 XXXX is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be romove because According to the 15 USC 1681 I have the right of privacy and I did not give XXXX written permission to furnish these accounts..my Hippa rights been violated also collection angency has to much information about my medical situations also my name was in the 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 2017-08-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XXXX15 during the blizzard in Massachusetts I had an insurance loss at my property located at XXXX XXXX XXXX XXXX Mass XXXX. XXXX XXXX  issued me two check for the loss, totaling {$26000.00}. I then was instructed by XXXX XXXX XXXX XXXX to sign and submit the checks to them, the Mortgage Company would then set up a Draw account for payments to be dispersed in the amounts of {$8900.00} to the contractor in three increments, when certain percentages of repairs where done. The first check was paid to its rightful recipient, which was XXXX XXXX ( contractor ) XXXX XXXX  The second and third checks were stolen and deposited into XXXX XXXX account with Citizens Bank XXXX, Mass. XXXX XXXX XXXX and XXXX XXXX XXXX were occupants of the mentioned property. By his own admission XXXX XXXX gave the checks to XXXX XXXX to deposit. I have also filed a complaint against XXXX XXXX regarding this incident and am currently in conversations with them. Citizens Bank, should have never cashed or either deposited or accepted this check from XXXX or XXXX XXXX whereas they were not payees on the Insurance check. Citizens Bank will not communicate with me, whereas they state I 'm not an active account holder. The Banks have regulations whereas third party checks with incorrect endorsements should n't be cashed. There were three names on the Check XXXX XXXX XXXX XXXX and XXXX XXXX. On one of the Check XXXX XXXX and XXXX XXXX never signed, however the checks were still excepted by a Citizens employee and negotiated. The contractor discontinued the repairs due to the funds not being paid to him. My basement still to date is n't complete and Citizens should be held responsible for returning the funds. Please find enclosed a copy of the checks that were signed by XXXX XXXX and deposited by either her or XXXX XXXX XXXX her son.
Also find enclosed a copy of the contract proposal from the contractor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Clarity Services
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hard inquires on my Credit Report by Clarity Services has damaged my report. I was not asking for any type of credit. 
XXXX XXXX XXXX XXXX XXXX I have tried to have this removed from my credit report. I also understand now Clarity Services was fined my the Federal Government for misuse of credit Report. I would like them removed from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Navient Solutions, LLC.
State: FL
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:
My FFELP loan was sold to a private loan or Sallie Mae and then sold to NAVIENT without my approval making it in eligible for loan forgiveness. Saying that I work for a nonprofit organizations for over 15 years.Then my principal was down to XXXX owed after paying for 20 years over XXXX in interest is now escalating since they put me into a progressive interest loan so my principal now is up to you XXXX my original alone amount was only XXXX. I would like to make a complaint against NAVIENT if not a A lawsuit to prevent this from happening to other borrowers I've been paying for over 22 years {$600.00} a month with multiple forbearance is and other options seem to be nullified. I borrowed the money From XXXX to XXXX graduation. I would like to make a class action lawsuit or participate in your lawsuit for fraudulent miss leading miss knowledge poor business practices of NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Allgate Financial, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. I am submitting this complaint because a collection company ( JH Portfolio Debt Equities ) ( the " Collection Company '' ) continues to pressure me to pay the credit card debt of my late husband ( XXXX XXXX ) who passed away in XXXX of XXXX. XXXX entered into a credit card agreement with XXXX XXXX, solely in XXXX 's name, of which I had not agreed in any manner to be bound by. Indeed, I was not even aware of the existence of the credit card until after my husband 's death. While I was named as an authorized user of the account ( I am not sure how this was set up, as I was not aware of, or in possession of the card ), I was not a joint account holder, and did not agree to be bound by the account terms. I have made the above facts clear to the XXXX XXXX on several occasions and have asked the XXXX XXXX to provide evidence of my consent to be bound by the account terms. I have also attempted to explain to the XXXX XXXX that Michigan ( where my family has lived my entire life ) is not a community property state and therefore a surviving spouse is not responsible for credit card debt held only in the name of the deceased spouse. The XXXX XXXX has not offered any evidence that I agreed to be bound by the account terms or that I am a joint account holder. It seems to be relying on my apparent status as an authorized user to support its claims, and instead has filed multiple complaints against me with the court, has accused me ( in XXXX hearing in court ) of " having no respect for the law '' has surprised me at the door of my home with threatening process servers, and has bullied me with threatening communications. XXXX of the aforementioned complaints was filed in XXXX and a second was filed in XXXX. The XXXX complaint was dismissed without prejudice. The XXXX complaint is pending. Given my age and health status, these complaints, and the attendant court appearances that are required to respond to motions, arbitrations, and other hearings, as well as the related stressful interactions with the XXXX XXXX, have a significant negative impact on my physical and mental health. I therefore urge the XXXX to intervene and stop these unlawful, aggressive, abusive, and unjustified activities by JH Portfolio Debt Equities. I also request guidance from XXXX on how I can file a counterclaim for the harm caused by this Collection 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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have unauthorized inquires on my credit report : XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2017-08-25
Company: Van Ru Credit Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We contacted Van Ru Credit Corporation after receiving a letter about a XXXX XXXX debt. The letter was issued 4 days after my stepson received his driver 's license. We later received a similar letter from another Debt collector on behalf of XXXX. Except for the inconvenience of getting my stepson ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) to understand why these people insist on talking to him personally about this, it 's easy enough to get dismissed as the social security number they have on file does not match my stepson 's.
The representative at Van Ru advised that they themselves do not track down debtors or look up their addresses. He claimed that they get this from the creditor along with the case. In this case that was XXXX XXXX.
So this is how I am looking at it : XXXX XXXX and XXXX XXXX used exclusively the public availability of an address matching the name of one of their bad customers to assign the debt to that person and pass it to a debt collector. In the case of some foreign name, they enjoy the added benefit of many of them having the same name, many not speaking or understanding English well and most of them fearing any public exposure. Certainly, they might get lucky and find the right person, but in the process falsely accusing other people that happen to have the same name. More likely they rely on that most people will cough up the money even if not owed by them to avoid the things these letters are threatening with.
This is no different than a bank sponsored version of the IRS email/phone scam threatening people with jail etc. if they do n't pay. That scam is estimated to have netted the scammers more than $ 0.5B, so I can see why somebody in a bank thought it would be a good idea. But that does n't make it more acceptable. I hope that it, as in this case targeting minority rarely able to defend themselves, is a coincidence. If not, It just makes the whole thing more despicable This is banks conducting their own flavor of identity theft. I am not sure if this is protected against in FDCPA, as it is not the debt collector actually committing the questionable act - it is the bank acting on incomplete data. With the recent exposure of the business practices of a major bank of loading customers with unnecessary accounts, it is not hard to imagine banks also engaging in this form of scam.

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 2022-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
- I placed a lock on my credit /debit card because it was missing. I figured I had misplaced it in my jeans pocket or something. The lock is supposed to prevent charges from going through. 
- However, charges totaling {$300.00} were allowed to go through. When I called, they said they would issue a temporary credit however they did not. I called Bank of America to file a claim with the Claims department and spoke to the Supervisor, XXXX. He hung up on me. 
-Bank of America needs to have better fraud protections in place. 
- I have been a customer for over 30 years. I can not handle the stress of knowing that Im not protected in these events. I may look elsewhere if this is not resolved timely. The reason why I am reaching out is because of how I was treated by 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 monetary relief
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just logged in to my Experian account and it is saying there are 5 new collection accounts and 3 new open accounts, and I have no unpaid accounts and haven't opened any new accounts and considering the ongoing battle with identity theft, I check my credit reports regularly. However, Experian is not showing what the new collections are for me to dispute or the new accounts AND their website will not allow me to get a current copy of my credit report so I can see the accounts to dispute them and I have their XXXX premium {$19.00} per month membership. How am I supposed to dispute accounts if I can't even see them on my credit report!

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 2022-09-03
Company: Navient Solutions, LLC.
State: OK
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 contacted Navient on XX/XX/2022 and informed them of the Sweet vs Cardona case and that the U.S. dep Of Ed is no longer pursuing payment of my loans. However Navient continues to charge me for me past ffelp loans. I also fall under automatic loan forgivness due to this case. Also the charges that was brought upon Navient. My loans should be forgiven since they are over 20 years old! Navient should have sent me a XXXX dollar check and did not. They also directed me into unforgiving forbearance and fraudulent loan repayment programs which all money and interest should be paid back to me under the Navient law suit.

Company response to consumer: Closed with explanation