BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: CA
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:
When I had completed XXXX studies at XXXX in 2005, my student loans under XXXX XXXX  were I believe approx. {$20000.00}. I was eligible for Public Forgiveness Loan Program due to my employment in XXXX XXXX. I also deferred my payments while I entered XXXX XXXX at XXXX for an XXXX degree, to which I continued employment in XXXX XXXX field and confirmed continued eligibility for Public Forgiveness Loan Program. Eventually my loans were trasnfferd without my consent from XXXX XXXX to Naveint. Upon transfer, I confirmed my status of Public  Forgiveness Loan. However, multiple times since Navient has denied payment options ( fixed  versus income ). Navient has consistently quoted me of under {$700.00} per month!!!! Which is outlandish and unforgiveable. I have remained in XXXX XXXX and was confirmed at time of Navient 's transfer that I was still under public forgiveness Loan. I have had to have continuous deferments since I can not afford this, and I believe that this is fraudulent. That payment is APPROX HALF OF MY 30 YEAR MORTGAGE! navient can not justify how XXXX XXXX  month adheres to the stipulaitons of the public forgiveness loan program. I have refused to initiate contact recently due to lack of resolution and was so grateful when I finally heard about the lawsuits being filed against Navient for this exact reason. I have no trust in their services or word. And my credit has been negatively impacted along accured interest. to be resolved, I want my case to ( 1 ) be a part of the lawsuits against Navient, ( 2 ) repair credit score, ( 3 ) delete all accued interests based on their monthly quotes, ( 4 ) and an apology from Navient. this has been so overwhelming. I have dedicated my personal life and professional career to serve patients who are disadvantaged and to help protect them from the abuses and injustices of the system. And here I am, like many others, in the same ironic battle. Please help me. I am desperate for guidance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following accounts and credit inquiries currently listed on my XXXX, XXXX, and Trans Union credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX  {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A LETTER TO REMOVE THESE INACCURATE INQUIRIES FROM MY CREDIT REPORT WAS SENT XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the ( 5 ) charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2017-09-05
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX, XXXX I leased a new XXXX XXXX XXXX from the dealer XXXX XXXX XXXX XXXX located at the address XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The lease company is Ally Financial. They said there will be XXXX downpayment, but I made {$3000.00} payment. Overall, I am overpaying for the car. I paid {$3000.00} downpayment plus the first month payment of {$600.00}. And my monthly payments are {$600.00} for 39 months. The dealer quotes the same car for other customers for around $ 400 monthly payments. So they charge me extra {$200.00} per month. I went to the dealer to ask why I am overpaying. Their reply was " you already knew that the payments will be {$600.00} ''. They didnt give a fair explanation why I was overpaying than other customers. I feel like they tricked me and made me pay a lot of money. Plus my credit score is excellent. It is not that I am overpaying because my credit score is bad. Please approach the company for a reasonable answer why I am overpaying for the lease. $ 600 monthly payments with {$3000.00} downpayment is a lot of money. They tricked 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 2017-09-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal 's User Agreement and other policies prohibits access to my own money in an abusive and illegal manner. They first set a 21 days incapacity to withdraw my money after I receive a payement ( coming from selling on XXXX ) which I understand ( this is for both PayPal and the buyer 's protection, to avoid problems ). But claiming that my " account reported to be involved in possible fraudulent or high risk behavior '' for selling items via XXXX and receiving positive feedback from the buyer is just a way for PayPal to limit my account and hold my money without any valid reason whatsoever, probably to generate interest or conduct any kind of money laundering or embezzlement ... That, I do n't know, but this is what it looks like to me. Everytime I request info about the reason why they placed a restriction on my account and wo n't allow me to access my XXXX EUR ( more or less ), they send an automattic response saying that I represent a risk. I have no informations about this so called risk, I have no money, I have no one to discuss this matter with, I ca n't get a hold on someone else than a robot from PayPal that could/would/should help me. I tried in every way possible to solve this with them, but they deflect and refuse to do so. No activity from my account represents a risk, nothing at all, and they know it, but they keep abusing of a power they do n't even legally have. They are operating as a financial institution with power of seizure, without legal authority to do so and by doing so, they illegally hold my funds, they abuse of their power and also, they breached my trust, as a consumer ( since I 've trusted them with my money and now they wo n't let me have it ). Needless to say, I need my money back ASAP, since they represent my only income. The prejudice that PayPal is causing me is beyond their imagination ( that is, if they even care or think about it ) and I need them to do right by me and the tons of people that are also in my situation ; to act within THE LAW ( not their law! ) and to lift the restrictions on my account and give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the ( 5 ) charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-02-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had maid several attend to reach the the company as well as the bureau to remove this alleged, incorrect, non authorized and inaccurate account out my credit report. 
They bureau refused to do so. 
As a result of that my score drop, and I am at risk of being denied a Morgage. 
I will appreciate your prompt assistance on resolving this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: United Collection Service, Inc (FL)
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently wrote UNITED COLLECTION SERVICE a letter asking them to verify the debts that they keep under my name. According to FCRA they are required to validate any debt. Not to mention, withholding any information they received from any medical provider in attempt to HIPPA complaint can be a violation of the FDCPA. I have requsted full documentation of what they have to verify this/these accounts. There is no signed documentation that they sent me stating that I have a binding, contractual commitment with UNITED COLLECTION SERVICE. According to FCRA any company is REQUIRED to provide a method of verification which should consist of the actual and original signature of the individual they are contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-09-05
Company: United Credit Service Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX, WI, has sent {$660.00} to a collection agency, XXXX XXXX XXXX XXXX XXXX. I have never received any statement from XXXX XXXX nor have I received any phone calls. I have moved once and have had a forwarding address in place. I have had the same phone number for the past 8 years. XXXX XXXX has a vendetta against my now ex-husband, XXXX XXXX, over an employment dispute. XXXX has sent letters from attorneys to XXXX with my name included. I am not responsible for anything that they have with him. I have left several messages at XXXX regarding this matter and no one has even tried to contact me. I discovered this issue when the collection appeared on my credit report on XXXX/XXXX/XXXX. XXXX XXXX has not followed the guidelines proper billing. Not only are they not following guidelines, but they are trying to add on debit that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Kingston Data & Credit International 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: Investigation took more than 30 days

Complaint:
Ive called kingston Data and Credit and Ive also called XXXX XXXX about the amount of {$950.00}! 

In XXXX I went one times to XXXXXXXX XXXX with a friend and was told I could be a free member being Im going with a friend who is already a member! They told me I had to sign paper work so I can have a key of my own if my friend didnt go! I never got any payments or saw any written paper work saying I was going to have to pay or I would have! So Ive written letters to dispute this charge twice once In XX/XX/XXXX and second one In XXXX, XXXX and still havent gotten no letters back from XXXX XXXX XXXX XXXX! I would like to take this charge off my credit since Ive made effort to take this off my credit! I have even called and reached out and keep getting told I need to call a number and when I call a number nobody answer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
VA Home loan was purchased XX/XX/16 through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nationstar is acting as a lender to my XXXX XXXX XXXX which was originally through XXXX XXXX however, Nationstar bridge-loaned through XXXX to be FDIC insured. They used XXXX XXXX XXXX XXXX XXXX to conceal who the true lender or party in interest is/was, creating a cloud on my title. XXXX XXXX XXXX XXXX, commonly referred to as XXXX is illegally acting under the registered mark owned by XXXX XXXX XXXX XXXX, in violation of the Lanham Act. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXThe XXXX number on my mortgage documents refers to the electronic registry my loan was placed in to be securitized as a mortgage-backed security ( unknown to me ) but that XXXX and registry are owned by XXXX XXXX, not XXXX XXXX XXXX XXXX XXXXXXXX Nationstar has been sanctioned from performing such actions by the CFPB and Federal Govt. See XXXX order. I was never made aware my mortgage Note was to be converted into an electronic note, violating the UETA. It was also never disclosed that my loan would be sold in the secondary mortgage market.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2018-06-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
since opening an account with this bank they have had several ongoing issues. fifth third has had problems in which I am was not able to access my account via the mobile app or online, they have at all times made accessing my account and changing simple things even such as my phone number a huge hassle. When calling into customer service there is consistent rude, nasty service by people who dont speak clear english. When asking for a supervisor I am often hung up on or transferred tot he wrong departments. I am often given wrong information as to matters such as what actual debit card is active on my account. The bank has made disputing transactions as complicated as possible. The have misrepresented bank terms and conditions to me as well as privileges. The bank when I have called to speak to a manager I am transferred to the wrong departments or placed on holds of an extremely long time and often still transferred to someone who is not a supervisor.

Company response to consumer: Closed with explanation