BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Navient Solutions, LLC.
State: CO
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:
Our Parent direct plus loan is under auto pay every month and I try to add every month an additional payment religiously but I noticed that I get charge additional interest on the overpaymt rather than all going to principal. I calle d Navient and  got an answer because my overpymt have some lapsed on days so I get charge interest on it as well and was advised to schedule an additional payment on the same day that my auto pay is scheduled so all my overpaymt will go all towards principal. I checked this morning since my payment always hits at the  XXXX  of each month and there it is again they lump the full payment and charge interest on both auto  pay amt as well  as the overpymt that I scheduled and when I called th e cus  service keeps saying th at bec th ey pulled the overpayment 3 days after the scheduled date which in terms that is why I get chg additional interest so I can not win if I overpay before the sched auto pay date I get chg interest and if I sched just right date I get chg interest as well. I think this is a really bad accounting. My overpayment should just go to principal just like a mortgage why get chg additional interest when the accrued interest is already imbedded in the monthly auto pay amount they advised as the amount that needs to be paid monthly to be current on our loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX from API ( XXXX xt XXXX ) has called all my relatives, friends and previous employers and threatened legal action against them if they do n't provide my personal information. 

I can provide a minimum of XXXX individuals who will attest to the fact that she continues calling and threatening them even after they tell her not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX have 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 2019-11-27
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I paid {$700.00} cash to have a master extentionist, XXXX XXXX, ( turns out she lied and is not a master ) to purchase hair to install on my head. On XX/XX/XXXX, she told me she needed to buy more hair. I paid, via debit card, an additional {$500.00} for hair. The woman purchased the wrong color and proceeded to die the hair an even worse color. On XX/XX/2019, I paid {$250.00} to have remove the old hair from my head. The woman did a horrible install. On XX/XX/2019, I noticed a {$700.00} charge to my card. Upon research, I learned the woman had little experience in install of extensions as she only finished school recently and her company is not state licensed. She claimed to have Hollywood clients which is untrue. I filed a civil suit for damages done to my hair and I filed a police report XXXX for the unauthorized {$700.00} charged to my card. The receipt is forged. I contacted my bank, First National Bank of Omaha. I was issued a provisional credit for {$700.00}. 

On XX/XX/2019, First National Bank of Omaha reversed the {$700.00} credit leaving me in Minnesota with no gas money, no money for my hotel and there are freezing temperatures. I am stranded and can not go home with no gas. If I leave, I lose my job. I do not know anyone here. First National Bank of Omaha is claiming the forged signature on the receipt the merchant presented is my signature. I was at the gym signed in using biometrics to enter the gym at the time the charge was made for {$700.00} to my card.

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 2017-08-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I received a loan from XXXX XXXX, my account was given to Navient and they do not do forbearance andit very hard for me due to my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX, 2017 : Our system detected unusual activity associated with your account ( Your case ID for this reason is XXXX. ) I have {$420.00} USD in my account and was trying to withdraw it to my bank and my account was restricted for no reason. I get a message stated unusual activity. This is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 explanation
Consumer complaint received 2022-08-31
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:
Transunion have violated my rights because they are sharing my information without my conssent

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 2022-08-30
Company: American First Finance, 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also state at a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Weinberg Mediation Group LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( XXXX XXXX ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: MN
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 went to a dealership was told credit would be pulled once and it was pulled 3 times. 
There is also an Inquiry form XXXX XXXX  that isnt recognized. thanks

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 2022-08-30
Company: EQUIFAX, 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:
Accountname Accountaddress XX/XX/2022 To whom it may concern, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable . XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax and XXXX. I did not grant XXXX  XXXX XXXX XXXX  permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, Iam invoking specified remedy and make the following demands : -Cease and desist reporting of the account name filings to all consumer reporting agencies.

-Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I owed XXXX to XXXX XXXX XXXX, XXXX  then sold my debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mass XXXX phone number XXXX. on XX/XX/XXXX I made a full payment of what I owed, this payment was made directly to XXXX as seen on documents attached. Once I made this payment I called credit collections services to update my account as paid so this would no longer show up on my credit report, I was told I had to send in proof from XXXX that this payment was made, I contacted XXXX to have them fax over the proof to XXXX this number was given to me by credit collections services. XXXX faxed over the paperwork, weeks go by, but this debit was still showing Up on my credit report, I called credit collections services, they claimed the fax was never sent, I called XXXX again and repeated the process, this whole process of calling credit collections services and XXXX was and has been repeated a total of 8 times now, from XXXX till now, this debt it still on my credit report, credit collections services are still claiming they have not received not one fax, they have claimed to reach out to XXXX   but claim XXXX has not responded. I have faxed over the paperwork myself but credit collections services claim they have not received anything from me. I have disputed this debit on credit karma and they denied my dispute because credit collections services are claiming I have not paid this debit. I have asked credit collections services to call XXXX them-self but they have not done so. I dont know what else to do to get this off my credit report. Credit collections services has also told me that even once they receive proof of payment made they will not back date to when they payment was made, which means it will show up on my credit report that I owed and did not pay off this debit for over a year even though it was only 6 months. I dont know what else to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Foris DAX, Inc.
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
LOST EVERYTHING IN CRYPTO.COM!! 
'Coordinated Price Manipulation Through Derivatives Market Abuses! ' cause me to get scared of losing money so fast that I sold at a loss, again and again being bullied out of Positions in all manner of Cryptocurrencies. 

PLEASE MAKE THEM STOP!!! 

PLEASE HELP!! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I work for the XXXX and have been applying for PSLF program since XX/XX/XXXX. I have called and submitted forms several times. I was told in XX/XX/XXXX that my form was never received. The company acknowledged receipt of it now but still hasn't processed it. It's been almost 2 years and I still do not have an answer about whether I'm approved for the PSLF program. I keep getting told they will reach out to me but no one has ever reached out in 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For the whole month of XX/XX/XXXX, My EDD debit card account from Bank of America was having fraudulent transactions every day of the month. I never got any notification and I didn't even got my debit card and I just learned about this transaction recently this month of XX/XX/XXXX, I filed disputes and Bank of America didn't even do any investigation about the fraudulent transactions. The transactions shows that it occur at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in the state of Iowa which I can assure that I never ever been nor bought any place ticket going to that place. The transactions are obviously fraudulent yet Bank of America never conducted any proper investigation and even denied my claim automatically after I filed it via phone call.

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 2022-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX, My name is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX I have an issue with my funds with my direct deposit from social security XXXX and XXXX money not being released to me from my bank. 

They now put a no trespass order on me. 
I didn't deserve this. Is there any way to remove this? 

Now with today 's deposit XX/XX/22 from XXXX XXXX XXXX XXXX XXXX 

For the last two months now at the bank listed below. 
Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Of {$860.00} plus XXXX {$53.00} Times XXXX. This month & last months. 
{$1800.00} I live off this money, I need it to survive. 
I am homeless in a motel called XXXX in XXXX XXXX XXXX.XXXX VT  XXXX. 
Where the windows just pop in and out and it is not a safe place. 
I need this money. 

( I did fax Social Security about two in a half weeks ago, plus yesterday, I don't know why its not updated! ) ( tears ) Please send my payment to ; XXXX XXXX XXXX XXXX XXXX XXXX VT, XXXX please, and thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CALIFORNIA XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX, and XXXX XXXX XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX have 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 explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX CALIFORNIA XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX, and XXXX XXXX XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not owed. I canceled the policy and purchased another policy and this company is aware of this they attempted to call and harass me after I told them this using abusive language.

Company response to consumer: Closed with explanation