BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-24
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX calls constantly. Automated message, leaves number stating to contact if not person they are trying to reach. Receive automated announcement to select XXXX to make payment or XXXX for office hours. No other options! I do not know who they are and have no information to share regarding anyone else. There has never been an actual person on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

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
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: CO
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 XXXX XXXX Bank 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 2015-09-17
Company: Netspend Corporation
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I 'm on XXXX, when I finally won my case I needed a bank so I can have my checks directly deposited. I opted for a Netspend card, I thought I had researched it, but apparently not. The check I received from XXXX was {$75000.00} I had made some Purchases, then I noticed money was disappearing, charges were made from XXXX for a cell phone unlock thing. I do n't have a cell phone. Double charges, That was how I noticed I was being ripped off. I contacted Netspend, nothing, they hang up on me, tell me lies, I come to find out that its an offshore call center. The first thing they ask you is your SS #. There is so much to this., We finally got somebody from Netspend in the XXXX to talk to us, but then he gave us the run around. Lied to us, did absolutely nothing to help. He even said he would send me a copy of my account info, when he did they charged me {$5.00} for it. Bottom line is I 'm missing at least {$20000.00}. My family and I spend a year homeless because of my XXXX, we 're about to be there again. I need my money. All I want is my money back. If you check online on how many complaints there really are on this company, in the last month alone, its crazy and wrong. This company should not be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Garcadia Financial LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written communication from XXXX XXXX XXXX a consumer which means a natural person pursuant to XXXX U.S.C. XXXX ( XXXX ), I represent myself and there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have had multiple issues with XXXX. Now known as Navient. 
I have been unemployed since XX/XX/2017. My payment on my private loan is due XX/XX/2017. I contacted them and spoke with XXXX agent # XXXX to notify and inquire if I could miss 1 month without derogatory marks on my credit. I have not missed XXXX payment in 5 years and have paid off XXXX of my loans. She proceeded ask inappropriate questions such as as my living arrangements. Why my adult children were in the home. 
What did they pay to be here IE : utilities & rent. She brought up my credit report and proceeded to scold me for my debt. I did point out that I was being proactive in calling Navient about my employment status to inquire about any possible arrangements. And, if she looked at my payment history, my credit report was at 100 % payments on time. I did not call for financial advice. Nor was my debt ( other than Navient ) and my adult children 's living arrangements any of her business. She seemed to enjoy rubbing salt into the wound of a customer who was trying to do the responsible thing and who DOES take her debt and credit report seriously. If I had wanted financial advice, I would contact an expert. 
Not XXXX # XXXX who works a call center. They can change their name but it is the old XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Capital One is not allowing me to access or close my account. I called into customer service on XX/XX/2022. The representative told me that I would need to speak with another department. She transferred the call to a department that did not have any live personnel available, so I left a detailed message with all of my information. I allowed 24 hours to pass, as instructed be the representative but no one called me back. I called in the morning, XX/XX/2022, the customers representative transferred the call to the customer protection department. I was connected to XXXX XXXX agent id XXXX ), she was very rude antagonizing and accusing me of fraudulent activity. She went on to say that Capital One has decide to discontinue business and services but I can not withdraw my funds or close the account. Also, I can not check my account to retrieve any supporting documentation to submit for my claim against Capital One. I asked XXXX to connect the call over to a supervisor because she refused to assist me any further and decline to give me her agent id number. I has able to speak with XXXX XXXX agent id XXXX ), she identified herself as the acting supervisor. I asked XXXX to explain the following : If Capital One has discontinued financial services why is the account still open and if the account is still open why can't I have access to check my account to access bank statements? She told me that I will not have access and the only communication will be through email. I told her that if my account is still open legally I should be able to access my account to acquire bank statements. This leaves me at a disadvantage because I can not provide any supporting documentation to assist the CFPB with my claim. Capital One is yet again using shady business tactics to hold consumers responsible for their inability to protect financial accounts and accept any responsibility for the failure to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the Credit is yet to respond to my letters. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX {$280.00}

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 explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The Fair Credit Reporting Act ( FCRA ) mandates that all information contained in credit agency reports be checked for accuracy. I have requested that they verify a bankruptcy that is shown in my credit file as well as the source that is providing the information about the bankruptcy. I requested this over 90 days ago via USPS and have yet to receive a response.

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 2017-02-11
Company: Navient Solutions, LLC.
State: PA
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:
Navient is the worst company, you ca n't even pay additional loan amounts unless you call in a payment or send in a check. It 's been going on over a year since their new website launched, it is like they are doing it on purpose so they can milk more interest out of me. They have severely failed their customers, I work in XXXX as a XXXX at a college so I am not some novice when it comes to this field. I am being punished because of their faulty practices, I spoke with XXXX who has followed up with me after my complaint to the XXXX. of XXXX and she has been helpful but she does n't run the company. How is it that a website can ONLY allow you to pay what is due? If I wanted to add {$50.00} to my payment I can not unless I send a check or call them, this is a ridiculous solution in XX/XX/2017 when everything is online and mobile. I never had issues before they broke off from XXXX XXXX, XXXX XXXX was no treat but I could at least pay more money monthly into my loans. I do n't even know if my loans have been properly serviced over the years, if I was a betting man then I would guess there are all kinds of errors on them and the payments have n't been properly allocated. I really feel I am owed something from this company, I myself have thought about legal action which would be expensive but I have family who work at law firms as well as friends who would most likely be willing to assist. I am sick and tired of the excuses I get from Navient, telling me I do have options to pay additional principal via phone or sending in check is a pretty weak solution to their website seemingly purposely not allow you to pay off your loans quicker. No other servicers have this issue. I really want this to be seen because I am in the party who is trying to pay their loans off ASAP and Navient makes it XXXX near impossible and their solutions are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Identity was stolen/compromised and later discovered that my personal information was utilized to rent/lease an apartment/home in my name even after informing of identity theft National Credit System continued to attempt collection and refused to remove from credit report. 

FTC Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
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:
Account with Bank Of America HELOC states late payments where there was never one. 
Payment History is incorrect, and I am requesting that this item be deleted in order to adequately reflect my true credit history.

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 2017-09-13
Company: GMA Investments, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Summit receivables continues to contact my employer even asked to stop and when I spoke to them they wo n't verify what debt is about just threatened me that they will contact my employer so that I would be get embarrassed in my employment. I do n't believe I owe them. The company that keeps calling at my work place summit receivables with phone # XXXX her name XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}

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 2015-04-18
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On XXXX/XXXX/XXXX a judgment for {$8100.00} was taken against me without my knowledge. The debt buyers had won by default. On XXXX/XXXX/XXXX, my neighbors received a letter addressed with my name and their address, containing a 'subpoena deposition for bank records ' and XXXX for 'production of business records ' addressed to our bankI was never informed because they never delivered a supoena. 

I went to the courthouse and asked to see my file,. When I saw the process servers paper I knew why. This hearing was supposed to be defaulted, and if my neighbors would n't have given me the mail with their address, a year after the hearing, I would n't have gotten thus far. 
I went to file to vacate the order and a to quash the 'subpoena duces tecum ' and was denied. I tried to explain to the judge that I never received a subpoena and the process server lied because the description on his paperwork did not describe me, and in fact it was the opposite description of me. 
I could not vacate the order, they lied about everything, sued me on a time barred debt for {$8100.00}, and proceeded to place it on my credit report, as though I opened the account with them. This is when my neighbors address was put on my credit report as mine, and stipulated it was to stay until XXXX. This year his business address showed on my credit report also. I have had their home address removed this week, now I will work on the business address being removed also. 
While investigating all this I believe that my credit report is how they found out what bank to go to, and making it appear that I owed them a debt and they were the creditors. But by not informing me of the hearing and winning by default, messing with my credit report, I have stressed enough from all this just to have my motions denied. 
I also looked into the hearings they have going on in their home town, XXXX XXXX, there were literally XXXX of people being sued, are any of them receiving their supoenas? or will they win again by default.?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It is disappointing seeing the Credit Bureaus do their best at nothing to correct my Credit file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than XXXX business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  CI XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX COMENITY XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX  XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXXXXXX XXXX, XXXX XXXX Balance {$83.00}

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 2015-11-24
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
This is the complaint on the services in association with Comerica Bank, Comerica Bank XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX. 
This card is from Direct Express Treasury, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX. 
This debit card is required used for Social Security recipients. 
The complainant is a veteran and has both documented XXXX and XXXX diagnosed. 
This account has resulted in numerous card changes based on reported security problems, deficiencies, transactions problems. 
Transactions and withdrawals, cash back transactions have been swindled. 
Several fraudulent and many non receipted transactions have taken place. 
Complainant is XXXX XXXX. 
This card service is in need of investigations for fraud, other financial crimes, racketeering, swindling, financial problems. Predators, robbers, thieves, crooks willconjure, stalk, plan thefts against Social Security recipients, based on the receipt ofpayments on and around the first of the month and they know that recipients have debit cards. 
Complaints have likely been filed against these services in the past and are likely current. 
XXXX recipients may likely be victims of stalking, robberies, thefts, and other crimes associated with the Comerica Bank debit card account. 

To resolve this on going problem, investigations should be able to determine fraud, unwarranted surveillance practices, thefts, any other financial crimes, white collar, organized, financial, bank frauds, violations that are the result of this debit card required system. 
Customer services, merchants, ATMs, banks, may be responsible for problems, complaintsassociated with the use of the debit card system. 
Consumers who have been victimized by these fraudulent services need to be compensated andother financial services need to take the place of these fraudulent services. 

This institution is responsible for the insolvency and its many complaints that may or may not be documented. 
Banks closures are a recommended solution and will likely benefit the increasing continualfederal debt crisis as numerous other financial institutions have faced numerouslawsuits, litigations, rulings, cases, complaints, and the like.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Solomon and Solomon, P.C.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has almost {$1700.00} on my account but has no idea what address ( es ) it came from nor can they give me a time period due to them " switching over '' to a new system. This issue has been going on for 5+ years and no one from the company has attempted to help me with the issue and it is messing up my credit because Solomon and Solomon ( collection agency ) is constantly reporting me to the credit bureaus. I 've only had an account with them for 3 months and those 3 months was paid off 3 years ago.

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