BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: HCFS Healthcare Financial Services of TeamHealth
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: Information belongs to someone else

Complaint:
This account does not belong to me. It appears fraudulent in nature. I am requestion that you send any copies of any documents that you used to verified that this account belongs to me. If you can not provide such documentation, I ask that you stop reporting this account as it is causing me undue mental and financial duress. 

I demand a copy of any records that you have about this account that bear my name. Also, I would like the copy of any document bearing my wet ink signature, that may have been use to authorize any transaction under my name.

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 2022-05-22
Company: Experian Information Solutions Inc.
State: MO
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 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 a 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 explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Please see my attached dispute letter, Id, and fraud affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I too have been experiencing issues with Navient. They have not listened to me regarding telling them what I am able to afford, instead they insist on deferring my loan causing me to go deeper into debt with my loan. I have told them numerous times about my divorce and my household income being cut and they refuse to send information I 've requested to my house. I do n't have the ability to refinance and get the loans to a creditor based in the United States to speak with someone without a language barrier so I am stuck. The loan I am paying towards is a program that has not existed at the school I graduated from for at least 3 years. It was taught out. They stopped enrolling in XX/XX/2013. With my financial situation I 'm trying to do the best I can but have recently considered bankruptcy because I do n't know any other way, this company simply will not listen to me when I tell them I can only pay a restricted amount until my credit debt is cleared, and when my divorce is final and I 'm not paying attorney fees. If there is something you can do to help the consumers please do. I 'm sure there are other people like me who want to pay, but the company simply will not listen to our needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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 # XXXX, XXXXXXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX and XXXX XXXX XXXX ACCOUNT 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 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 2022-03-29
Company: Alorica 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: Report provided to employer without your written authorization

Complaint:
I have contacted the Company and I have contacted the XXXX themselves. I am now getting letters from the attorney 's office without having them change my credit or make anything right by them dinging my credit with the unlawful pull of my credit. 

1. They did not have my permission to pull my credit. 

2. They had a letter advising NOT to pull my credit. 

3. They did not have an updated consent to pull my credit and the information they are basing their authorization off of was NOT supposed to be pulled and used in the first place due to the XXXX XXXX leasing standards for XXXX. Unlawful and XXXX anyway even if it was was not up to date. 

4. 3rd party did NOT have a signed dated consent to pull so someone gave them my consent unlawfully to pull my husband 's and my credit and it was done unlawfully and with intent. 

NOW they are attempting to get my information to put it through so they can scam me again. I want charges files and their files audited. Their city and newspaper are in with my records as well should you look at the address where they keep all records and NOTHING is done lawfully. Attempting to go through their counsel, I am getting delayed tactics and semantics. 

I have attached a series of emails. XXXX knows that there is no change in our " borrowing '' services and there is no change from the " original '' term which they denied us years ago and this is a formality because they forced us into a " rent-to-own '' circumstance. Therefore this " new application '' is a formality so we are no longer having to pay additional " rental fees '' on top. They are wanting authorization to run our credit while they already did it illegally when they did NOT have permission to on the form they told EGS/NCO they did have permission and sent the authorization through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 a 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 2015-04-02
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed a complaint with the XXXX in regards to the poor service that I received from Huntington National Bank and their refusal to refund full fees for a simple mistake. There was a {$10.00} difference. The staff was rude, very condescending, and antagonized me. After the complaint w/ the XXXX was filed, Huntington decided they were going to close my account and provided NO reason as to why the account was being closed. This was after I decided to let the matter go and did n't even respond to rebuttal their XXXX response. Instead, they waited until the day after XXXX closed my complaint and mailed a letter stating they were closing my account. So I complained about their service and they close my account? I, as a consumer, reserve the right to file complaints and seek assistance in resolving my matters. I have only contacted Huntington on XXXX occasions and this was my XXXX complaint with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Southwest Credit Systems, L.P.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This was a bill from an internet Co. in XXXX AR. The original bill was over 300.00. My daughter talked to them and they agreed to accept a lower amount which she paid. They then said " Paid in full '' and I never heard another word from them. 
This COMPANY IS XXXX and they were paid off in full. 
My name is XXXX XXXX XXXX XXXX LA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For the last several months I have requested a mortgage assistance package from Bank of America. Each time I request a package, the representative promises to mail it. Each time it never arrives. I do receive from Bank of America collection notices and other bills, but is n't if funny - the XXXX thing they will not send me is a mortgage assistance package. I am behind on my mortgage payment. By their actions, Bank of America prefers to profit from foreclosure instead of offering mortgage assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am having a difficult time paying my student loans, through Navient, so I put in for a income driven payment plan, and the result was I had to pay {$0.00} last year for my loans, but the interest would still accumulate but I could make interest payments if I wanted to. I am doing this off of the top of my head, so XX/XX/XXXX when that year ended, I had to send in my income tax papers, and I will say here, I made {$24000.00} XX/XX/XXXX, so they based my payments from that. So they expect me to make payments of {$69.00} a month, let me tell you this, I am a XXXX year old widow, who has electric heat as a heat source, works part time at {$13.00} an hour as a XXXX, I drive a vehicle that is 17 years old and I also had to pay {$56.00} a month for that stupid Obama care insurance that I did not use. 
First I get a notice that I have a payment due of {$240.00} on XX/XX/XXXX, got paperwork in for the income driven then they modified the payment, and also changed the date of XX/XX/XXXX. 
Is there any way your agency can help me? 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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 Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting 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 2022-05-22
Company: EQUIFAX, INC.
State: MO
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 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Paypal Holdings, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First collection notice from XXXX received XX/XX/2020. Spoke with XXXX XXXX at XXXX who reviewed my account and said the information was obvious after I explained I had an existing, positive PayPal account. I considered process resolved at this point. First Convergent email was received XXXX XXXX and I spoke with someone at XXXX. I contacted PayPal to resolve this silliness, and spoke with XXXX in their collections department. He was rude, unhelpful and said to file the dispute. I spoke with XXXX and said this account was fraudulent and they sent my response to PayPal. Fast forward to todays email stating that PayPal called my claim invalid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX of 2016, I received an alert from credit reporting agency that a negative account where put on my credit report, I contacted the debt collator requested information regarding the dispute, also disputed the inaccurate information with the credit bureau, waited for 30 days nothing, but I did heard from XXXX saying that they updated the info, when I check my credit report the false account still there, please help

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 2022-05-22
Company: Law Offices of Brian P. Kowal PA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX, of the LAW OFFICE OF BRIAN P. KOWAL, P.A, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, mailed a debt or demand letter dated XX/XX/2021 ( see Attachment # 1 ) ; the debt or demand letter specifically indicate that it is done " Pursuant to 83.561, Florida Statute XXXX which is a repealed state law ; it is also notated in the letter that an undisclosed " portion and practice '' thereof was done " Pursuant to the Fair Debt Collection Practices Act ... '' A debt verification letter was timely mailed on XX/XX/2021 in response to the debt or demand letter, and timely received by XXXX XXXX XXXX XXXX see Attachment # 2 ) ; XXXX XXXX XXXX has failed to cease further collection attempts and to duly respond to the debt verification letter as required, but he has rather proceeded to collect the invalidated or unverified debt, without due process of law, and through excessively aggressive actions that has led to a large group of heavily armed men in tactical gears and with guns to forcefully remove me from my lawful place of abode.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-22
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 Act : XXXX XXXX Account Number : XXXX, XXXX  XXXX XXXX  Account XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/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 a 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 2020-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
None of these accounts belong to me.

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 2015-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Bank of America. My husband passed awayso I asked for a loan modification. Bank of America asked me to not paythe mortgage while they are processing the modification. I did everythingthey instructed me to do. Before that I was not late on my mortgage. 
I was waiting on my modification, they were behind my back trying toforeclose on my home. This bank has done so much wrong to me. 
They just kept giving me the run around. They asked me to send thesame papers over and over again. They always stated that they did notreceive it. Then they denied me a modification several times. Pleasehelp me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was paid company didnt take it off 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 2020-08-18
Company: EQUIFAX, 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:
I am a victim of Identity Theft. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX ( XXXX ),  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and more. There have been addresses on my credit reports, jobs, businesses and telephone numbers that have been fraudulently used without my permission. I have tried contacting these companies to report the problem but they all respond with " I am liable for the account '' based on their " payment history information ''. I have disputed these accounts With XXXX, XXXX and Equifax. XXXX has successfully updated and deleted the fraudulent accounts from my credit report. XXXX as also deleted some accounts from my report excluding XXXX XXXX XXXX ( XXXX XXXX   ) which still remain on my XXXX report after multiple disputes  and Identity Theft Report sent. Equifax have not removed anything from my credit report after calling and disputing the fradualnt transactions by phone and sending 2 deputes by mail with NO RESPONSE! Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to get jobs, apartments, credit cards etc because of Identity Theft. Under the Fair Credits Act 15 U.S.C. 1681, I am requesting this information to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Torriere Holdings INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Spire recovery solutions called my brother saying I owed a dept since 2007 for a XXXX..I called XXXX today and they pulled up my credit saying this has never been on my credit report..and put out a fraud alart on this issue ... they have been harrsing me threw email and phone ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX credit is reporting a debt i do not owed i was never contacted by them or any other company about this. This is affecting my credit history

Company response to consumer: Closed