BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I cosigned for several student loans for my daughter. These were all paid in full last Fall. 
We continue to get harassing calls from Navient at our home phone, for our daughter who does not live with us. I have called 3 times asking for our phone number to be taken out of their system. I was assured, by a supervisor on the third call, that this would occur. I asked for this in writing. They did send me a letter stating that the loans have been paid, but nothing stating that they have suppressed our phone number. These calls come sometimes 2-3 times a day. XXXX mornings. Even on XXXX. Always a robocall.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was fraudulent activity on my account through my XXXX. There was a {$150.00} charge that I reported within 1 days time. Capital One opened a claim, but then denied the claim on XX/XX/22 with no reasons given. Said XXXX charges are not covered when I called in on XX/XX/22 - not covered for fraud or scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
On XX/XX/XXXX I received notification from Midland Funding LLC, regarding a debt I allegedly owed, that was placed on my credit report. The debt they were referring to was for an account with XXXX XXXX  that was first reported as delinquent on XX/XX/XXXX. 

I had previously disputed this account as fraudulent several years ago and it was removed from my credit report. Now, years later it just shows up on my report without any warning whatsoever from Midland Funding. 


I immediately notified the company of the situation and requested the removal of this account from my credit report or provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. 

I was a victim of identity theft years ago and this was one of the accounts involved. It was a lengthy process getting it done and it's frustrating to find out now that it apparently wasn't. 

I dont understand how a company can just do something like that without reaching out to me first regarding whatever issues they had. 
This is a good example of an unfair trade practice and borderline crosses the Fair Credit Reporting Act. 

I thought this was a closed matter, it appears not. Will you please assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My story is pretty simple. I work for the state. the program is called In-home-supportive services. I have been with them for 8 years. The month of XXXX was the longest time I ever waited for my direct deposit. It was three weeks late. Causing my reoccurring bills to over-draft my account by exactly {$170.00}. 
I had reached out several times to the customer services Center and with no feedback as to why I could not be refunded the XXXX over draft fee 's totalling XXXX. I called my XXXX XXXX attorney and they advised me to write to this Web site.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXXXXXX '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update 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 non-monetary relief
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: FL
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:
XXXX party credit monitoring service notified me of an issue with my credit report from Equifax. I tried to start the dispute, but when I tried to create an account with myEquifax, it said I already have an account. When I tried to reset password, it says I don't have an account. Customer service couldn't correct the issue and issued an IT support request. I received no response from IT. In my second call to them, I asked again about not being able to log in and was told that was common and I should get their paid service as a fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX, XXXX, I received a credit alert regarding an unpaid medical balance for alleged services received at the XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX. I have never visited the XXXX XXXX XXXX XXXX facility for any type of services. I made several attempts to clarify that this information is erroneous, inaccurate, and false, and that this debt do not belong to me. Unfortunately, Central Financial Control, the collecting agency reported my name as delinquent to several credit Report Agencies with further potential damages to my credit. The information provided to these Credit Report Agencies is invalid, inaccurate, and false.

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 2017-03-03
Company: Navient Solutions, LLC.
State: TX
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:
attempted to pay off the highest interest rate and it was never allowed to. i deferred my payments due to being laid off. and the end result was they lowered my payments in deception as to prolong my loans being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX I opened a account and put a cruise on the account but I never got my credit card in the mail. I found out it went to the wrong address it went to a XXXX XXXX does not even have my right phone number or my right email these charges are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all three credit bureaus Equifax , XXXX and XXXX with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XX/XX/XXXX. This item is over 7 years old and is still being reported on my credit report. Transunion completely deleted the item, Equifax has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XX/XX/XXXX and a last status date of XX/XX/XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Since my XX/XX/2020 complaint, there has been NO correction to my late payment of account # XXXX, although I have file more disputes. This account XXXX XXXX XXXX is a consolidated IDR/IBR under DLSTFD loan program reducing financial hardship, allowing me to make one payment for my student loans. All 3 Credit Bureaus Transunion, XXXX and XXXX are reporting each loans outside of the consolidation account # XXXX XXXX XXXX, as an individual, reporting 18 times late payment, under XXXX XXXX, .account. This 18 reporting late payments are inaccurate reporting, under the DLSTFD loan program, consolidated loans reduce hardship by assigning a account number XXXX XXXX XXXX. This DLSTFD loan program allow me to make 1 payment for all my student loans. Please investigate and remove from 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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX I received notification from XXXX XXXX XXXX, regarding a debt I allegedly owed, that was placed on my credit report. The debt they were referring to was for an account with XXXX XXXX that was first reported as delinquent on XX/XX/XXXX. 

I had previously disputed this account as fraudulent several years ago and it was removed from my credit report. Now, years later it just shows up on my report without any warning whatsoever from XXXX XXXX. 


I immediately notified the company of the situation and requested the removal of this account from my credit report or provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. 

I was a victim of identity theft years ago and this was one of the accounts involved. It was a lengthy process getting it done and it's frustrating to find out now that it apparently wasn't. 

I dont understand how a company can just do something like that without reaching out to me first regarding whatever issues they had. 
This is a good example of an unfair trade practice and borderline crosses the Fair Credit Reporting Act. 

I thought this was a closed matter, it appears not. Will you please assist me in resolving this matter.

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 2016-02-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The Credit Reporting company continues to refuse to correct my credit report by ignoring the specifics of my complaint. The have not, even after reinvestigation, deleted the negative report of 90 days late payment. They keep referring to XXXX different accounts numbers and do not address the 90 days late payment, that appears on account # XXXX Department of Education/XXXX. Even after conclusive evidence from documentation send to them. That account was Pay in Full on XX/XX/2015. My credit report shows the same account 90 days late payment on XX/XX/2015. Their own credit report shows that specific account " OK '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX while on XX/XX/XXXX appears 90 days late. How could that be possible? Other Credit reporting Company have make the right correction. Equifax ignores it or flat out refuses to do so. They have not shown any proof of an investigation or how they arrive at that conclusion. In direct violation of U.S. Code 1681i - 611 ( a ) ( 1 ) ( A ) ; ( 4 ) ( 5 ) ( A ) ; ( 6 ) ( A ), ( B ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) ; ( 7 ), ( 8 ) ( A ) ( B ) ( C ) ; ( 8 ) ( b ) ( c ) ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've been submitting the information to be removed from my credit report about bk-dismissal and XXXX and Equifax are the only bureaus that keep reporting to my credit report. I 've called the court and they informed me that they do not report to the bureau. I 've been disputing this for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Self Financial Inc.
State: OH
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 contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated XXXX and XXXX as agreed but did not update XXXX. Instead, a late payment for XX/XX/XXXX was added to my XXXX report. This was impossible because because the account closed in XX/XX/XXXX XXXX. 

I sent them several emails requesting that XXXX  be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my XXXX report and the late payment for XXXX was still showing on my XXXX report. 

I called again and no one would help me. I sent another email and received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I was in a area affected by the XXXX. I'm am a XXXX XXXX XXXX, and my main source of income comes from travel across country. From XX/XX/XXXX to XX/XX/XXXX i was abroad, which 30 days I was in XXXX not able to leave the country due to the XXXX XXXX as it was there much earlier and worse than the US. I was scheduled to return back XX/XX/XXXX. Banks were closed and travel was restricted for me and my group and were not allowed to leave my hotel. The internet was not available to access any of my bank information to make payments on any of my bills. Upon finally getting clearance to come home i immediately called each creditor to explain my situation and bring my accounts current. I've yet to have any late payments and this is affecting my credit score to be able to possibly even refinance my home in this time of crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions 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 ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 
in accordance with the fair credit reporting ( XXXX XXXX XXXX  ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 6802 - Obligations with respect to disclosures of personal information ( i have a right to privacy ) 15 U.S.C 168` Section 604. Permissible purposes of consumer reports In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other inaccurate information and account number there's no real investigation ever conducted!! under FCRA section 611 ( a ) ( 6 ) & ( 7 ) i request you to give me full METHOD OF VERIFICATION

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 2021-01-09
Company: Experian Information Solutions Inc.
State: OH
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:
Notice for Proof of Claim Account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2016-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I would like the CFPB look into my claim # XXXX against XXXX default services, Because their refusal or ignore to validated my DEBT VALIDATION LETTER it got sent out by certified mail with copy receipt # XXXX. 
Instead to comply with my request, they still want to go ahead with its illegal and criminal act. They sent me another document postponing the Foreclosure Sale date from XXXX XXXX 2016 to XXXX XXXX 2016.This company clearly its violating my consumer right XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was notified by letter in XX/XX/2022 that Capital One intended to close my longstanding checking account on XXXX XXXX2022 because the company was updating their banking system and my account number was ineligible to be transferred. They called it a technical issue. Any balance in this account would be mailed to me. As a retiree, my retirement direct deposit, social security payments and mandatory investment withdrawals are deposited monthly in this account. Also, service payments to a number of company obligations are debited directly from this account. I have had to spend an inordinate and unnecessary time and energy trying to right my financial footprint over the last few weeks. I have reached out in writing to the administrative arm of the company and have heard back from an assigned employee who has informed me that here is nothing that can be done to consolidate or rollover older accounts within their system. My savings account was not at issue, but I independently chose to shut that account down. It is hard to understand why a healthy, long time account would not be maintained. I know that this affected other consumers besides me.

Company response to consumer: Closed with explanation