BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Experian, This complaint is in reference to the tradeline on credit file by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX See attached page from my credit report file # XXXX. ( attached file- XXXX ) This company is operating illegally. In order to comply with the Texas Debt Collection Act - TEX. FIN. CODE 392.101 a third party debt collector must post a {$10000.00} surety bond to the Texas Secretary of State. XXXX XXXX XXXX XXXX is not in compliance with this law and the violation is both civil and criminal - TEX. FIN. CODE 392.402. Also, XXXX XXXX XXXX XXXX is not registered with the Texas Secretary State, therefore, no registered agent exists in Texas to receive service of process. I want to file suit but I can not! 

Texas Secretary of State list of legal debt collectors is found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is n't there . 

I have already disputed this information directly with both XXXX XXXX XXXX XXXX via debt validation letters per FDCPA and Texas Debt Collection Act. No response until I filed complaint with CFPB and XXXX XXXX XXXX XXXX then stated that I sent a cease and desist letter in XXXX that I never sent. 

I have have so far filed complaints/disputed : With you, Experian, via direct dispute - dispute closed XXXX. 

Also via CFPB Compliant # XXXX ( attached file- XXXX ) Texas Attorney General Compliant # XXXX ( attached file- XXXX ) This company is clearly violating the FCRA, FDCPA, and Texas Debt Collection Act. Please delete this tradeline or I will be forced to seek relief in a court of law.

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 2020-08-19
Company: Persolve, LLC - Legal - Series 2
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX. 
I would like for NAVY FCU to show proof of verification that I owe them {$15000.00} with the account above. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete.

1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-07-18
Company: EQUIFAX, INC.
State: AL
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 has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX Balanceed Owed : $ XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$3100.00} XXXX XXXX Balanced Owed : {$250.00} XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX SER XXXX Balanced Owed : {$250.00} XXXX  XXXX Reference # : XXXX Date Filed/Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : $ XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: GREAT LAKES
State: SC
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:
I am recently widowed with a XXXX year old and soon to be delivered XXXX XXXX. Great Lakes is my student loan servicer. I submitted a payment for approximately {$140000.00} for my student loan payoff which was received on or about XXXX XXXX, XXXX. The payment was cashed and funds withdrawn from my account. The payment showed as processing on my online system as of XXXX XXXX, XXXX. On XXXX XXXX, I contacted the servicer because the payment was still showing processing. I was told it can take a few days but interest would no longer accrue as of the date received - XXXX XXXX. This past week I followed up again because an auto draft payment was processed and the larger payment was still outstanding. I was told the payment was sent to the incorrect place and that it was being " processed '' to return the funds. All the while interest was still due and accruing. 

Now I completely understand that if I sent to the wrong place that is an issue I need to deal with but I followed up with my servicer to see if there was a problem. When I spoke with an agent she said they knew on XXXX XXXX the payment was not made to the correct place but it can take 30-45 days to have a new check issued to me. As of XXXX XXXX, the payment was still showing as processing on my online system and a new " check '' was still being processed to return the funds. However by cashing my check the servicer converted those funds and took title to them. If it was sent to the wrong location there was no need to cash my money and then keep that money for now 30+ days. Had the check not been cashed I could have had the payment voided by the bank and reissued to be sent to the correct location. But now the servicer is saying that even though I followed up and was given false information I must pay the loan interest for this entire month! How is that right they can take my money for 30 days, preventing me from earning interest on those funds, while at the same time charging me interest when they told me the payment was just being processed. Again if the servicer had not cashed my check and again taken title to those funds I would have been alerted to some issue and been able to rectify this easily and quickly. But not only did they cash my check and take my money, the servicer gave me false information preventing me from being able to minimize my exposure to additional interest charged on my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX XXXX I went to capital one bank to open a 360 account, after I have close my regular checking account because I do not want to be changed as i have reassigned from my job to go back to school. I was told they are having a technical problem. I waited for two weeks and went back and was told the same thing and was ask to call back yesterday by XXXX. I did call back but the phone was have on me for two times. So I wonder why the discrimination. And why no answer to why I ca n't open a 360 bank account because it a better product that I need since am now a student.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Ocwen Mortgage to lower my payments, they offer to lower my payment but failed to inform me my mortgage would be for over 40 years. At the time of my request I owed approximately 90,000 on my home. That was in XXXX or XXXX, now I owe over 144,000 and my house note over {$1200.00}. My house is only worth XXXX. I feel like Ocwen has taken advantage of 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 2022-07-18
Company: EQUIFAX, INC.
State: MS
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 been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: TN
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 requested removal and reinvestigation by XXXX of an erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022. XXXX responded through letter dated XX/XX/2022 that they were " unable to verify the accuracy of the bankruptcy case.. '' and " subsequently removed this record from [ my ] XXXX report ''. XXXX removed and is no longer reporting this public record as of XX/XX/2022. 

I requested removal and reinvestigation by Equifax of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. Equifax responded through letter dated XX/XX/2022 that they contacted " a third party vendor to obtain the most recent status of the public record '' and that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX ''. How could Equifax verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

I requested a 2nd reinvestigation by Equifax of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. Equifax again responded through letter dated XX/XX/2022 that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX '' and that they " have verified that this public record item is reporting correctly ''. Again, how could Equifax verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

Equifax has committed multiple violations of the FCRA. Please see attachments. 

Additionally, XXXX and XXXX have committed multiple violations of the FCRA concerning this matter. Both XXXX and XXXX have failed to respond to my request for removal and reinvestigation within the 30 day period required by law. 

I sent the request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response. 

I sent a second request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Sapphire Marketing Group, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX is not a loan company they are a debt settlement company, I have to loans of which I fell into hardship and could n't pay them so I contacted this company about helping my consolidate my loans into one payment and also stop the fees for accruing. In XXXX 2017 I got a phone call from XXXX XXXX stating that she worked for this company and that they can help me pay off my loans in 4 months without paying any fees from the lenders and accrued interest, She sent documents over stating those facts .Once I responded to the documents. This company started taking money from me on XXXX XXXX, 2017 of XXXX! XXXX XXXX, 2017 was suppose to be my last payment and I was suppose to get a letter from my lenders stating that my loans were paid in full. Before I enrolled into this company i owed XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX informed me that once I enrolled into XXXX loan that they would handle everything for me. I had told her that I had only paid XXXX but had not paid XXXX because they had not sent me a statement. She informed me that it was fine because they would settle my debt for me and handle everything for me. Everything was going good until XXXX when i got a call from XXXX with XXXX XXXX XXXX Im guessing they are the same with XXXX  but they represented them, She explained that I would not be finish in XXXX because one of my lenders had not settled. This company did nothing to tell me that my lender wasnt going to settle. They kept charging me fees from their own company while my lenders charged fees too. I demanded a full refund but was told that i would only get XXXX back and that they charged over XXXX in fees. Sent only one lender a check for XXXX in XXXX. I am beyond exhausted and frustrated. This company is a big scam and I want my money back because they misrepresented their selves and then at the end going to tell me that i signed a contract stating that they would take fees. I did n't care about the fees. but they didnt do anything for me so I demand a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: PNC Bank N.A.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was added as an Authorized User to my mothers PNC Bank Credit Card a few years ago. The card was hurting my credit score when I checked a few months ago, so I called PNC 's customer serivce on I believe XXXX XXXX XXXX at XXXX. I asked them to remove me from being an Authorized User which they told me I can not do myself, but that the primary cardholder has to call and do it themselves. It was a bit odd as other credit card banks immediately allowed me to remove myself as an Authorized User without issue. 

I had my mother call PNC customer service on XXXX XXXX XXXX while I was standing near by as she does n't speak english very well. The representative had to get a translator which my mother could not understand what the translator was saying or the representative. I was told that I could also not speak on her behalf even though she was right next to me when I asked that if she would agree to it if that would work. The representative and translator eventually gave up and told me to bring my mother to a branch office instead. She does not want to go to the branch office as the phone conversation with customer service confused her and as she 's filing bankruptcy anyways so she has other concerns. 

I am at a loss of what to do as this card reporting on my credit report has prevented me from being able to even get a secured credit card in an attempt to rebuild my credit. This policy of only allowing the policy cardholder to remove Authorized User seems outdated as it should n't be there in the first place. I felt that this should be brought to the attention of the CFPB and PNC as it could harm other in the sense that if the card is hurting your credit score and you ca n't remove yourself from being an Authorized User. While the policy cardholder be it that they 're XXXX or you 're not in contact with them you should n't be stuck with the bad remarks for a card that is not your responsibility and no other pathway to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: GA
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 ordered a copy of my report in Experian.com and XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. I sent a letter to the 3 credit bureaus on XX/XX/2022. As of XX/XX/2022, XXXX, Experian, and XXXX have not responded to my dispute. This is my sixth attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any account which was opened without my knowledge, consent or authority. 
XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX : {$0.00}

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 2022-02-18
Company: SYNCHRONY FINANCIAL
State: IL
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:
My information is on the dark web and has been stolen

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 2022-02-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Community Loan Servicing has grossly discriminated against me in their treatment of me as described in the attached document. They continue to refuse to provide me with complete documents and information that I've requested, and sent me a letter with false and deceptive statements as described in the attached document.

Company response to consumer: Closed with explanation