BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The bank had that statement since XXXX I saw it on the XX/XX/2022 and did not know I owe any debt that high and did not apply for any credit card I have made available a copy of this statement in my bank application

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an account reported by  XXXX   XXXX   XXXX  in the file maintain under my Social Security number with Equifax in   XXXX   XXXX    .  <P/> I received an updated credit report from Equifax on  XX/XX/2017    ( Confirmation #  XXXX   XXXX  showing that the item was deleted from my credit report. A few days later I received a notice from my credit monitoring company that the account was placed by on my Equifax report.  <P/> In accordance with the requirements of the FCRA section  611 ( a  ) (  5 ) ( B ) ( ii  ), Equifax is required to notify me of the reinsertion in writing within 5 business days and I have not received such notification.   ( B ) Requirements relating to reinsertion of previously deleted mater ial ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.  <P/> I have spoken with several different people trying to rectify the situation with Equifax. The first person told me to call back once I had the Confirmation that shows that the item was not reporting on my credit report and it would be removed. The second person said that she was not able to pull up the confirmation number and transferred me to a third person that advise the report was updated on  XX/XX/2017   . I advised that the report updated on  XX/XX/2017    shows it removed but I received another report on  XX/XX/2017    showing that it was added back on my report and no one can give a clear explanation as to what is going on. When asked to be transferred to a manager, I was placed on hold for  1 hour and 37  minutes before I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello I would like to submit a complaint against Transunion I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect Transunion has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not 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 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX ) , XXXX XXXX XXXX , have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2021-10-27
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have no accounts with US DEPT OF EDUCATION/GLE. My student loans were with XXXX which are completely paid off and closed as of XX/XX/2021. US DEPT OF EDUCATION/GLE is reporting to XXXX when XXXX have no accounts whatsoever with them at all. Please US DEPT OF EDUCATION/GLE cease all reporting of this negative account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit inquiry request from jpmcb - card service. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: ERC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: Old information reappears or never goes away

Complaint:
Re : XXXX - XXXX XXXX XXXX This account is over seven years old and needs to be removed. 

Equifax refuses to honor a dispute request on my credit report. An account on my report is over seven years old, and they refuse to investigate and delete this record from my credit report. XXXX and XXXX have already removed this account once it hit seven years. Equifax Confirmation number : XXXX. 

I constantly dispute this account through XXXX XXXX dispute tool, but it comes back within two days as verified. 

On my last complaint with CFBP XXXX. XXXX stated the record was no longer on my credit report, but the record still exists. I created a follow-up compliant XXXX which XXXX responds with a canned answer. 

This record needs to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past 30 days, a mediation company identified as HR Management has called several times XXXX threatening to file a judgment for an alleged HSBC debt dated XXXX paid in XXXX XXXX XXXX XXXX through Stipulation. This paid HSBC debt was paid and is currently today beyond of XXXX  statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.For at least a year, every business day, three times a day I am harassed by phone calls. As of XX/XX/2021 I orally ordered them to cease and desist from all collection activity, only for them to continue to call me and I have proof as shown by exhibit G. They refuse to validate my debt and refuse to cease and desist from all collection activity. I have suffered damages due to the abuse and obscene language spoken verbally to me and via mail. Attached are supporting documents for my claim and all have been notarized, sent and resent via certified mail by the United States Postal Office. I have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid my loans by sending in checks. These have been cashed by  Navient  and cleared my bank account. However, Navient never actually applied them to my account, thus making my account past due for months. I finally checked my old student email to find these notifications from them. I called and spoke with  two  different people. They said they could help, tried making me go into forebearance ; but that is not what needed to happen : they needed to reconcile my account with the funds I had paid.   I reiterated that multiple times, sent them my bank account print out via postal mail ( they would not accept electronic ), and they STILL put me into forebearanxe WITHOUT MY REQUEST.   I have paid my bills, and yet they reported me past due on my credit. This is unprofessional and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was sent XX/XX/2021 to ( debt collector ), requesting validation of debt.They responded with medical records, a direct violation of Hipaa regulations.They violated 15 USC 6801-6809, using nonpublic personal information with out my consent or authorization.I never signed consent authorizing them to use my nonpublic personal information. 
Enclosed with the complaint is a document where ( collection ), stated that I paid with a check which give them authorization to use my information with out consent.I provide my payment history where I never a paid nothing on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient finances  my Signature Loan which h as interest rates at 10 % ; the interest rates are variable and the rate is set by the lender. I spoke with a Navient representative some time ago to see how I could get an interest rate reduction, and I was told to enroll in the automatic payment program for a slight reduction in the interest rates. I 've always monitored my interest rates and while they are variable, they have always been constant at 10 %. I enrolled in the automatic payment program for the reduction after enrolling in the program for the first time over the life of this loan, the interest rose just enough to put my rates back at 10 %. I calle d Navient to req uest its interests rates for this term and the last term and I have not received that yet. I 'm concerned that my interest rates increased to keep my rate at 10 % and Navient therefore lied to me about the incentives of its program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to get items off of my credit report that are in violation of 15 USC 1692g. I reached out on XX/XX/21 about the violations and to date I have yet to hear back in regards to my disputes and it has been over 45 days. I feel as if my disputes are being pushed to the side and I am being taken advantage of. With laws in place stating I must be notified of my debt, I was not and I do not validate this debt as the original creditor. So these items must be removed as I am seeking litigation for defamation. I have even called in multiple times in order to see what is happening with my disputes to no avail and I have exhausted all my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized and Inquiries on my Equifax credit report : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See Attached I am disputing the following error on my report XXXX Section XXXX ID : Record XXXX XXXX All Wrong XXXXI am a female, not a male and my birthdate is XX/XX/XXXX n not XXXX. I was born female and still female. 
Record # XXXX Never lived in XXXX XXXX XXXX not my address- never lived in XXXX XXXX XXXX XXXX id theft- ( check zip and city dont even match ) Section XXXX All Inaccurate Records XXXX I havent had this phone? XXXX XXXX XXXX Never lived in XXXX or bountiful Section 4- I graduated in XXXX not XXXX Section 6- Records XXXX not my address- never lived in salt lake city XXXX id XXXX ( check zip and city dont even match. XXXX XXXX Never had a XXXX XXXX XXXX and I am a female not a male. XXXX XXXX I am not a male. XXXX XXXX Wrong Name and address Section XXXX Identity theft- this bankruptcy has a wrong address and names

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2022, XXXX XXXX XXXX sent Carmax a check for {$13000.00} to pay off my auto loan as I have refinanced my account with XXXX for a much lower interest rate than Carmax ... Carmax-16.95 % XXXX % On XX/XX/2022, I also paid an additional payment of {$400.00}. XXXX from XXXX emailed me on XX/XX/2022 as Carmax advised them ( XXXX ) bank that I still owed on the vehicle {$60.00}, and they were not releasing the title. I informed XXXX that I wouldn't pay them as they inaccurately reported the account. As of XX/XX/2022, Carmax applied the check towards the account. CARMAX WILL NOT RELEASE THE TITLE as a result, the bank has informed me that they will have to release withdraw the loan. I am reporting this to the FTC for FRAUD. 

XXXX ( Customer Analyst ) from CARMAX corporate office XXXX stated that he would look into the matter within 24-48 hours. However, I received a call that Carmax informed them that my payment was rejected, which is incorrect. There are documents of 33 pages attached to include payments that were NEVER rejected. 

I have reported CARMAX TO FTC FOR FRAUD AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I was contacted by XXXX XXXX XXXX, XXXX about a charged off credit card with Synchrony Bank/ Care Credit XXXX They were trying to collect {$8100.00} I wrote back to the company asking for debt verification within the 30 days. I also asked them to not contact me by phone, email, social media but to communicate with me only in writing. 
XXXX never answered my debt verification request but continued collection efforts by mail and also by calling me 2-3 times a day. In XX/XX/XXXX they sued me, although the debt was never verified. They reported inaccurate information to the 3 Credit Bureaus and when I filed a dispute they refused to update the account as disputed.

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 2022-09-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These two addresses are reporting on my credit report I never lived here please removed incorrect addresses thank you XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Associated Credit Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I have taken proper steps to protect my identity. I was alerted by my credit monitoring service on XX/XX/2022 that I had new activity on my credit report. Under further investigation I found that XXXX XXXX XXXX provided services to a home in XXXX OH under my name and SS # which I DID NOT AUTHORIZE! I have never lived in nor stepped foot in XXXX Further, I don't personally know anyone who lives there. The debt incurred was not paid. It was then sent to a collection agency by the name of Associated Credit Services Inc. The debt is {$340.00}. This debt is now on my credit report and of course is dragging my credit score down. XXXX XXXX XXXX never ran my credit as I have a freeze on my credit. I was never alerted that someone was trying to run a check on my credit, the whole purpose for a freeze. XXXX XXXX XXXX used my SS # without running a check first and is making me jump through hoops to prove that I am not the person that lived at the home they provided services to. I am cleaning up a mess that could have been avoided had they simply attempted to run a credit check on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Medical Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Medical recovery services. The first time they called about 3weeks ago at my work place which the man on the other line would not identify himself to my staff who answered the call and just said it is a personal call then when I answered the call the man would not identify himself except that he is from Medical recovery services but continue to ask me to verify my personal information such as bday, social security number which I told him that I will not verify anything until he tellls me what the call is about and his name and id # and to stop calling me at work so he hung up Then another call yesterday X/XX/17 in the XXXX around between XXXX. They called my office again and ask for me and this time they tiold my staff it is from medical recovery services but when my staff announced the call to me, the caller hung up. So i then XXXX the company that is when I learned they a debt collector. <P/>I feel my privacy had been violated when they identified themselves to my staff and did not stop when asked the first time to stop calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Telsa Motors Inc
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I took delivery of a XXXX XXXX XXXX in XX/XX/2022, in XXXX On XXXX, due to work related reasons I had to relocate to XXXX On XX/XX/XXXX I have asked Tesla for the Title of the vehicle so I could register the vehicle in XXXX as requested by Law. I had to do the same process for my other vehicle, from a different Auto maker and I received the docs in one week and was able to register the vehicle. With Tesla, 7 weeks later and they continue saying they are still producing a title, and I now I can not register the vehicle, therefore I cant get Insurance and drive the vehicle, so I have a product that I cant use but am being required to pay the lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage was sold while in loss mitigation for XXXX XXXX XXXX Bank refusing to provide documents making process extremely difficult for XXXX Reinstatement amount totally different from what was stated I owe!!! XXXX more than what I owe! 

Going to lose family house XX/XX/2021 loan modification was completed Then Covid!!!!! 

No break!!! No help for XXXX citizens!

Company response to consumer: Closed with explanation