BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: PA
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 submitted dispute requests asking Equifax to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX which appears on my Equifax credit file. I asked Equifax to furnish me with proof - contract or agreement bearing my signature- to help me determine if this account is fraudulent. 

Equifax did not investigate this account, nor have they provided me with contracts or agreements bearing my signature as it relates to this account. 

There is a fraud alert on my Equifax file and I am concerned that they are not properly investigating potential fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: LEXISNEXIS
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:
On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with XXXX, XXXX, and LexisNexis stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. XXXX along with XXXX sent me a email stating the information was Valid! It will remain until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: JPMORGAN CHASE & CO.
State: AE
Product: Credit card
Issue: Advertising and marketing

Complaint:
Chase XXXX credit card falsely advertised that after spending {$1000.00} you would receive XXXX free nights at XXXX and they waived the {$75.00} fee the first year. When I applied on their site they still waived the fee but required you to spend {$2000.00}. After spending over {$2500.00} they assessed the {$75.00} fee and did not waive it. In the literature they sent with the card they just removed the note stating the fee would be waived!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom it may concern : 1. NAVIENT continues to charge student loan interest on my federal loans despite the federal government passing the CARES Act that suspends interest on federal loans from XX/XX/XXXX - XX/XX/2020 because of the CORONA VIRUS. 

2. NAVIENT continues to process my monthly student loan payment incorrectly in order to ACCURE INTEREST and LATE FEES. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION XXXX XXXX ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime suspended my account for no reason at all and I get paid today and they are holding my funds they said suspicious activity on XXXX XXXX card I dont even have a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have never had XXXX billing, and do not owe any charges for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-05-23
Company: Experian Information Solutions 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:
I recently submitted a dispute package to Experian. This package contained proof of my identity and current information -- along with letters and proof of identity theft ( affidavit and police report ). The investigation was completed however not all of the accounts that were  opened as a result of the ID theft have been removed, nor was provided with any debt validation information ( 15 U.S. Code 1692g -   Validation of debts ) or proof. The following accounts need to be removed from credit report :  XXXX   XXXX  {$3700.00},  XXXX  {$3000.00},  XXXX  {$3000.00},  XXXX   XXXX  {$1600.00},  XXXX    XXXX   XXXX    {$20000.00},  XXXX  {$790.00}.

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 2021-09-28
Company: Lincoln Educational Services Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. LINCOLN TECH violated 15 usc 1692b. ( 5 ), 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred back in XXXX of 2016 from XXXX to LoanCare. On XXXX/XXXX/2016 I called loancare to verify if they 've done any payment to my hazard insurance company ( XXXX ) since my due payment is on XXXX/XXXX/2016, surprisingly the loancare agent told me that my hazard insurance is not included in my escrow account, however it was disclosed when the transfer took place back in XXXX, also the loancare agent informed me that I should 've received refund check of amount {$570.00} back in XXXX 2016, so I told him that I did n't receive any refund check of this amount, after all the runaround given by loancare employees along with speaking to the manager for the past two weeks .After being frustrated and hopeless, I decided to avoid the confusion and take care of my home insurance myself, therefore I called back loancare and told them to send my refund check which I was supposed to get back in XXXX 2016, so I could pay my home insurance by myself, and I ask them to do not include my hazard home insurance in my escrow account in other word just keep the mistake they 've done the way it is, because I did n't want to cause more confusion .Until today I still have n't received my refund check, and every time I call loancare I get a different story from their employees.

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 2015-06-14
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX ( XX/XX/XXXX ), I paid {$140.00} to the XXXX with my XXXX XXXX XXXX card. It showed as " XXXX TX '' on my XXXX XXXX XXXX statement. 

XXXX ( approximately ) A debt collection agency called Credit Systems International called me and told me that I owed them that {$140.00}. 

XXXX ( XX/XX/XXXX ), I sent proof of payment to Credit Systems International ( CSII ) that I had made the payment. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I owed them for that debt. 

XXXX ( XX/XX/XXXX ), I called the " XXXX XXXX XXXX XXXX '' and got confirmation from them that my balance was XXXX and I had paid them everything. I spoke with 'XXXX. ' At XXXX she claimed that I did owe ; but then when I asked, " if my payment was not for that cost, what other instance of service was there? '' she proceeded to look further in a XXXX database and confirmed that I had indeed paid the full amount She told me that they would contact CSII to inform them of the error. She gave me a payment confirmation number of XXXX. ' Also, she gave me the Payment Reference Number of XXXX. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. I personally informed them of my conversation with " XXXX XXXX XXXX XXXX. '' I asked CSII if they had pressed XXXX XXXX XXXX group to look in the second database, and CSII said they knew nothing of that. I told them that they needed to press further with " XXXX XXXX XXXX XXXX '' to get the right answer. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. They claimed that the " XXXX XXXX XXXX XXXX '' claimed that I still owed them. 

XXXX ( XX/XX/XXXX ) I learned that CSII had reported me to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CONTOUR MORTGAGE CORPORATION
State: NY
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:
XXXX XXXX from contour mortgage ran my credit without my consent and approval. I reached out to them to learn my about mortgage qualification. I never asked them to run my credit and I specifically asked them to let me know before running my credit. He went on and ran my credit without informing me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 have spent Hours removing 18 hard Pulls from Capital One Bank and i still have some and don't have account with them, give them my name and address they got nothing but they keep coming and it keep costing me and Capital One has been notified over 30 days ago and nothing i bill collectors, i got that stopped, for while for a living on low income during this shutdown this has put hurt on getting a loan of any kind. this is data break stolen social security number, date birth, name, address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-21
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit.

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 2016-07-05
Company: Performant Financial Corporation
State: NE
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wages are being garnished from Performant Recovery. They will not work with me or return phone calls about a payment plan. I have talked to at least 5 different people and they all tell me something different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to charge me XXXX dollars for cable internet service I made multiple good faith efforts to disconnect. They refused to attend to my request in a timely manner and continued to bill me and assess late fees. 

They sent my account to a collection agency : CBE group. 

I already filed a complaint against XXXX to the FCC and FTC months ago when they tried to bill me and charge late fees. They claimed at the time, in writing, that they were not able to locate my account information and could therefore not act on my complaint. I have receipts and screenshots and phone records showing many attempts to disconnect service. 

My account number is XXXX I am planning to pursue civil action against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Dear President Trump. My complaint is with Navy Federal Credit Union and the incredible interest they are charging me and my family on a credit card that was closed because we got behind on our payments. My husband is a XXXX veteran, having served honorably in the XXXX XXXX, the XXXX XXXX, and XXXX XXXX. 
We are paying Navy Federal Credit Union $ XXXX/month, of which @ $ XXXX/month is an interest fee. I have contacted NFCU numerous times to request a reduction in interest consistent with their lower rate credit cards given the fact the underlying interest rates have been reduced by the fed and the continued hardship of paying 27 % interest. I was told the interest they charge is based upon the fed rate and my credit score but to contact them the next time my bill comes due and they will see what they can do for us. Mr. President, the NFCU takes for granted the veterans it claims to serve and has done so for some time. They are happy to take all the positive publicity predicated on their claims to support the veteran community, but get in trouble and get behind on a payment, and it is the XXXX with you. I pleaded with NFCU to allow me to consolidate my credit card debt under a personal loan before it became an issue, but they refused and summarily cut the card off and simultaneously increased my interest rate to the userous rate I am currently paying. In the past 12 months, NFCU has charged me over {$1000.00} in interest on a {$4800.00} credit card debt and card which I can not even use. Mr. President, I am sending this letter to the Consumer Financial Protection Bureau and the CEO of Navy Federal Credit Union. I am sorry I have to trouble you with my problem but when I last spoke with the customer service department at NFCU, I was ridiculed, laughed at and told it was not NFCU 's fault I found myself in this situation. Thank you for your time Mr. President.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being called by Portfolio Recovery, who's original creditor they work for is XXXX Bank. This collection agency " Portfolio Recovery '' is the definition of harassment. I am being contacted 3 - 5 times per day, at all hours of the day. You can not reliably block their IP phones because if you block a number, they simply modify the number from their set list and contact you again. 

I have asked many times for them to quit contacting me as I am already debating litigation against the original doctor that the quarrel/financing is about. If they wish to pursue legal action, I encourage them to do so, but I will not tolerate being called all the time, every day, by spoofed numbers. I would very much like to request consumer finance to help me look into this on behalf of myself and my family residence. Not everyone can immediately pay things that another entity claims they are owed, especially when litigation may be potentially involved. This does not mean we should have to deal with harassment every day, either. It's just the way of the world.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: DC
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:
Of the three credit agencies, Equifax has mistakenly confused my identity with someone else. I have submitted 3 disputes and Equifax has not been able to correctly update my name, social security number, date of birth and verify that information with all of the accounts it is reporting as part of my credit history. I am at a loss in knowing how to prove something that is not true - even after uploading numerous documents to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I applied for the Forgiveness Loan Program on XXXX/XXXX/14, I was given an acceptance letter from FedLoan Servicing. I contacted them today, spoke with four different customer service reps and no one is doing their jobs. They are too busy asking for social security numbers over the phone. I need the letter now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The collection agency contacted my XXXX friends trying to find me for several months until I blocked on account. When I got hired at my new job in XX/XX/XXXX, the collection agency was calling my coworkers and my boss in trying to find me. The collection agency is charging me {$60000.00}. 

In XX/XX/XXXX I was fired from my job. During the summer of XX/XX/XXXX my XXXX friends starting messaging me that are being harassed by phone calls from a woman " looking '' for me for a job opportunity, and if they knew how to get a hold of me. These were people I have not seen since high school. On XX/XX/XXXX I was hired at my current job. I was on a XXXX month probation period until a permanent hire position. In XX/XX/XXXX, my co workers and my Boss got phones from a woman looking for me ... ... ... this XXXX me out!!! and was in fear of being fired. This harassment went on for XXXX months. 

In XX/XX/XXXX, I was notified by my employer my wages were being garnished and my federal income tax refund was garnished. I have spent many hours and days on the phone trying to talk to someone and get original paperwork. XXXX of the reasons not to garnish my wages was if I was at my job less than a year and was fired from my last job. I sent them proof of my paperwork on XXXX cases XXXX times!! and they denied ever getting it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Went this morning XX/XX/XXXX to withdraw {$20.00} from my husband 's account at machine was broken so decided to go through drive through my situation was dealt with by XXXX XXXX whom informed me I could n't withdrawal the funds out of my husband 's account since I 'm not on the account ( even though I 've done this a XXXX times before ) I left and went to XXXX to get the money I needed. About 2 hrs later I went back to the bank after having lunch with my husband and getting his check, I went to deposit it. Again, I was dealt with by XXXX XXXX, she was very rude and used a smart XXXX tone saying she could n't cash it I replied " I want to deposit it '' this whole time she 's bobbing her head all about as if she 's a bobble head, deposits the check and again in a rude high pitched tone tells me to have a good weekend. Thus lady was very rude and had no right to speak to me in the tone she did I honestly do n't even want her handling my money so am considering closing the account so I do n't have to deal with her again.I have never been spoken to this way at any other bank and was quite surprised at the childish way she acted as if I was stupid. I ca n't imagine her treating elderly people that way nor anyone else. She needs more training or another job she clearly is n't good with the general public. I have never seen her in there before but if we decide to keep the account open I hope I never have to do business with her rude and obnoxious personality.

Company response to consumer: Closed with explanation