BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received this voice mail ... This message is intended for my name. I received the fax order regarding a complaint that was filed against you. I have been retained to serve you with documents to appear at either your residence or your place of employment. If you have any questions or concerns about the complaint or wish to rectify the matter you can hit any key on your phone to connect to our office directly or call us at the following number XXXX. When calling please reference file number XXXX****. You have officially been notified. 
This is my former married name. I called the number back and the person stated they were representing Fifth Third Bank and the charges were Breach of Financial Contract and some type of Fraud. I advised I had an Attorney as this was under a bankruptcy and the call ended abruptly without any information being shared regarding this. I called back and asked to confirm the information that was told to me and a gentleman answered and responded with " since you know everything I really should n't have to tell you anything. '' I shocking said " what kind of business is this? '' He replied " again ma 'm, since you apparently know everything do n't you need to tell me what kind of business this is ... i do n't need to tell you anything '' and hung up on me. Absolutely shocked I immediately called back and talked to the original person I talked to the first time and confirmed the " charges '' that were to be put on me for this debt and again informed this person this was under an active bankruptcy and i have an attorney and reminded him of the law. I also asked him what the name of his business was and all he would tell me is the Law Offices of XXXX located in Tennessee. That 's all he would tell me. My initial findings is that business does not exist and i do not think this credit collections company is legitimate as after talking to my Attorney he informed me the company handling this particular debt is in New Hampshire and it 's not this company. This, along with many other scam artists like this, are using scare tactics to prey on people to take their money illegally. This needs to be stopped ... XXXX by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2022-10-02
Company: EQUIFAX, INC.
State: GA
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:
There are 2 inquiries from XXXX XXXX. They were within 30 days of each other. XXXX tells me that they did not order the second one. Again, they tell me that they did not order the second inquiry. Additionally, if they did run it... .without my permission, it was within the 30 day statute where it should not be recorded. Equifax keeps sending me disputes that says they are a matter of public record and that its too bad. Teach these XXXX  that they are in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Originally received a loan from Navient for {$18000.00} in XX/XX/XXXX. I started making payments on XX/XX/XXXX. Since then, my parents and I have made 97 payments, resulting in {$25000.00}. Of that amount, only {$1800.00} has been applied to the principal of the loan. My current balance is {$23000.00}. Myself and my parents have tried dozens of times to rectify this, attempt an alternative plan and try to understand why this has been happening and we get no clear answer. I know there is an active lawsuit against Navient for this exact thing and Im one of thousands this has happened to. My father tried to give Navient a one day payoff amount of half the loan value and was told no. We also tried to seek assistance of some kind years ago and was told since my account was current, they couldnt help and Id have to default for 120 days to qualify. Doing so, devastated my credit and my fathers as he is a co-borrower. Then, we called and tried to get assistance and only could do forbearance which accumulates interest and requires a {$50.00} payment. Its absurd. Furthermore, I had to drop out in XX/XX/XXXX due to a XXXX  XXXX I sustained and my college refunded {$11000.00} to Navient and it didnt make a dent in the balance! Weve overpaid by {$7200.00} and this last month I missed 1 payment and Navient reported it and dropped my credit score again 100pts and my fathers by 107. This loan has been paid off AND THEN SOME but still I somehow owe more than Ive borrowed. Navient will not budge, nor do they care about this deceitful action and they will continue to do so until the government shuts them down or crushes them with a lawsuit, resulting in millions of dollars of refunds for students. Please help in any way you can. I have full records of every payment down to the XXXX and how and when it was applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
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 I went to purchase a car on XX/XX/2019 at XXXX XXXX. I signed a credit check and now I have two different inquiries on my credit report. One from the dealership, XXXX XXXX, and another from Nissan Motor Acceptance Corp. I was never told by the dealership that their would be more than one credit inquiry on my report. Also I have leased over the past 6 years and have always received only one inquiry on my report. When I spoke to the finance manager he claimed the new system they use runs your credit twice and they had no control over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a Tier 1 hamp loan modification for my home from my servicer SLS. I believe they have violated Hamp guidelines in this process. The value and money owed is more then XXXX % they have now is not within LTV guidelines. Having made the trial payments and additional XXXX months payments and they still do n't report them. 
I have requested they vacate the foreclosure judgement and have I never received any response. They have ruined my credit by not removing information on my record

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Delete all The Hard Inquires from my credit reports Exsperian there is a total of 6 hard Inquires on my credit report that I don't recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-05-23
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Call ed PNC office today regardin g an issue with them using my additional {$200.00} pmt for the principal and applying it to my automatic pmt of {$280.00}, resulting in an {$83.00} draft from my bank and no additional pmt on the principal. Found out that the last {$200.00} check that I sent for the  XXXX    XXXX   pmt did arrive at the right time, had the words " apply to principal '' on the check, but they decided to apply {$170.00} to the principal and {$23.00} to the interest for no apparent reason, totally disregarding my instructions. Was told that the checks are not processed by a person so that must mean a machine is determining to disregard the instructions and they are taking money that was designated for the principal and applying it for the interest, I assume, to accelerate their interest pmt and decrease my principal pmt. Had I not caught this, in 5 years, when the loan is due in full, I would have not owed the actual amount that I should have, had they applied the money correctly. I was then told to insure that they money is actually applied to the principal, that I have to go to a branch office and physically watch the loan office apply the amount correctly.   I can o nly imagine how many pe ople are being affected by this scam and have no idea that not all of their additional money is applied to the principal as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CB/indigo is a credit card company on my credit report even though the debt says paid on my report this is a fraudulent report. I have never applied for or owned a CB/indigo credit card before. I am asking for this report/collection to be removed off of my XXXX credit report. The report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has failed to show proof of verified information of proof for this account. The amount owed on the account is {$2300.00}. Three has been no proof what so ever of this account being verified on all three of my credit bureaus XXXX, XXXX and XXXX. I've attempted to ask for knowledgable accurate information but the company has not supplied it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a XXXX and a single parent who makes only XXXX an hour. I have been trying to get on a payment arrangement and they keep denying my request. On both my XXXX and XXXX credit report, the collection company by the name of Enterprise Recovery Systems, is claiming that I owe {$24000.00} which is all incorrect. The only amount I can pay them is {$25.00} a month. The first time they notified me about this debt, I took the time to respond within the 30 days granted to the consumer to dispute the validity of the said debt. I even called and spoke to someone and was told that if I made a payment that it will not be reported to the credit bureaus. All I can afford is {$25.00} a month. I was threatened and told that all they can accept is {$250.00} a month. They keep calling and harassing me. Disguising their numbers as if they are calling from NJ. I even lost out on a government job offer because of this. These people are damaging me and causing me emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Focus Holding Company
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Focus Receivables Management calls every day and often more than once. I have asked them several times to please send me proof of the original debt, they deny this being available and continue to call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
15 U.S.C 1681 section 602 A. States I have the rights 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 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XXXX I 've been receiving calls from a debt collection company, Chase Receivables. 
Their number is XXXX XXXX XXXX Their website is XXXX I 've checked with my XXXX banker and they 're not affiliated with XXXX XXXX They say I have a delinquent account They wo n't ever say what the account is because they say it 's federal law that I need to verify my identity first They tell me that I have to provide my DOB or my SS # When I do n't provide it they say that they need to make a note in my file that I 'm " refusing to verify. '' When I tell them I 'm not providing any information unless I see something in writing they say that they 've sent me mail, which has been returned They call regularly and when I do n't pick up they never leave a voice mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem : Mortgage was satisfied about 30 years ago. The title company found that Citibank did not do what ever they are suppose to do to be removed as a source of lien or other encumbrances Address of Mortgaged property : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Mortgage Statement : account : XXXX Address statement sent to : XXXX XXXX XXXX, XXXX XXXX, ny XXXX Person on statement ( me ) XXXX XXXX XXXX Date of statement : XXXX. 
I recently called XXXX XXXX at : XXXX They informed me the only way to proceed is to fax my issues and documentation to : XXXX I have faxed them 3 times in about 20 days and have not received any emails or calls from them. 
I called Citibank again yesterday and was told my only recourse is to fax them again ( which i did ). To date, no one has contacted me about my problem. The mortgage was satisfied in full about 30 years ago, but now that I want to sell my condo, i have discovered their failure to remove themselves from having anything to do with it. 
I am hoping that filing this complaint will get someone at Citibank to take some action to removing themselves before i have to hire an attorney to go after them for reimbursement should i loose the sale deal. 
Best of Regards and Respectfully submitted, 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 2016-02-04
Company: Rushmore Service Center, LLC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since I have n't had debt to anyone for over the last twenty or more years I 'm concerned about the frequent calls from Rushmore Service Center # XXXX in XXXX XXXX, SD, a third party collection agency that gives me at least four calls a week. I have no need to answer the phone from them, a quick look on XXXX tells me who they are. The calls from them have been going on for several months now and they need to stop. I suspect they have the wrong number and need to correct their file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and anxiety.

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