BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The past few months XXXX 2017 through current, I have made formal disputes regarding Navient inaccurately reporting a debt they claim I owe. I am disputing the debt amount. Navient claims that I owe a loan balance of roughly $ 220k, but they ca n't find the consolidation documents that XXXX XXXX sent to them nor the Master Promissory Note to justify the balance. Navient referred me to NSLDS to find loan amount details and to XXXX for the MPN that they should have on file. Well, I do n't trust the info on NSLDS because Navient is reporting this information to NSLDS and the credit bureaus without proper evidential support. Even so, when I look onto NSLDS and perform the calculations it seems as though some loans were be consolidated twice and some loans that were not paid through consolidation are also being included in the total debt amount. When I went over the debt calculations as reported on NSLDS with XXXX XXXX, supervisor of the ombudsman department, and the social media department, the debt they are claiming I owe includes debts that were already consolidated previously through XXXX and XXXX XXXX and debts that were paid off through other methods other than consolidation. The social media representative at Navient noticed this as we were on the phone calculating debt and said she would email XXXX to verify if the loans were paid through consolidation or not. I am positive that XXXX would not have this information because they told me since they transferred it over years ago, they did n't keep any information on file. Yet, Navient continues to report the inaccurate information on my credit file. I have also filed a formal complaint to the US Department of Education in which they just referred it back to Navient to complete and thereafter closed the case after Navient sent an inaccurate spreadsheet that does n't align with NSDLS. US Department of Education did not facilitate an investigation of their own, they merely reassign it back to Navient. Also, when I check XXXX, there was no MPN on file. Ultimately, I feel that Navient is not listening. I am getting nowhere with them. No resolution ... just aggravation. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

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 2022-04-07
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They contacted my mother and told her that I listed her as a reference for employment and wanted to know if i as her son. He gave the name XXXX to my mother. He also contacted me and left a voicemail. In the voicemail he gave the name XXXX XXXX. Both calls were from a local number in Minnesota ( XXXX ), but in the voicemail he left a New York Number ( XXXX ). 

I XXXX  the numbers and found out that the company is called XXXX XXXX in XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX XXXX XXXX. I received a levy on my bank account from a collection agency company that I did not borrow any money from amount {$530.00} and {$120.00} legal fee from XXXX XXXX XXXX. I did not  receive a notice of levy. A final notice of levy and still havent. I called the bank to find out what the issue was and with who and they kept not answering, set up a call back, then when they called back the prompts were in Spanish. However the call back was not set up in Spanish because I do not speak Spanish this happened 4 times. I went down to the bank branch. They say it s the Franchise tax board.Gave me the number. I call California franchise tax board. They tell me the levy was done by the courts but its not the courts its GC services. I call GC services and they lied and they dont have jurisdiction its the Franchise tax board. I went down to the address given XXXX XXXX XXXX XXXX XXXX CA XXXX and they try to tell me what Im looking for is at a different building, its not here I say no it is here and I gave them the case number they didnt want to llok it up but I knew and then they looked into it asking a manager there and the suddnly they knew what I was talking about deceptive practices I know it was done by GC services I submitted the paperwork to dispute the levy according to the Bill of rights GC Services is conducting deceptive collection practices. I ask for the levy info the writ of execution and they say they dont have it I am disputing the issue. They stole this money out of the account. wrote and went to file the documents on XXXX XXXX. I called the number given they told me the bank was supposed to send me the notice of levy and still they havent. GC Services Limited Partnership at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This levy has caused extreme additional hardships. It violated The context of a Fair Debt Collection Practices Act ( FDCPA ) action. claim by a debtor that a third part debt collector has engaged in prohibited conduct in collecting or attempting to collect a consumer debt. It is required that they return the money to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: AL
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:
On X/X/2011 I paid off XXXX XXXX XXXX XXXX {$7700.00} for a truck loan and received the title. Upon checking my credit report I discovered XXXX XXXX XXXX XXXX had a remaining balance on my account for the amount of {$560.00} and was coded as a charge off. Please see attached supporting documents that dispute this report as well as a copy of the report.

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 2021-11-15
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX I sent a dispute to Equifax about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX  XXXX ( Date Open XXXX. XXXX, XXXX, Credit limit {$1800.00} ), XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Credit limit {$3800.00} ) and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day Equifax have not respond as they are obligated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. 

Experian, XXXX, XXXX and their executive branch, the XXXX XXXX XXXX XXXX, which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. 

How XXXX  XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. 

This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. 

WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by Experian. Or XXXX. 

I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. 

So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. 

Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. 

This criminal cartel must be SHUT DOWN!!

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 2017-06-05
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Amsher Collection Services 3 times for debt validation with tracking number. They only send me a copy of some bank statement with someone with the same name. They never validate the debt to the law of FDCPA and FCRA. They are furnishing inaccurate information. I have disputed the debt numerous times with XXXX which always comes back verified. XXXX and XXXX deleted the records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Byrider Franchising, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
During the initial interaction the sales representative provided one set of information and during the closing everything changed and the representative never properly explained the changes. My Ex girlfriend was the primary borrower and I was told I had to sign the documents however it was never my intent to be on the loan. The vehicle she signed for I advised her against because the price was more than double to book value and there were immediate problems with the vehicle that they refused to fix as the sales person stated she should have looked at the vehicle immediately. They took advantage of my ex and XXXX me into being tied to this train wreck of a situation. This is affecting my credit and preventing me from financing my first home all over a loan I never wanted to be a part of and did n't realize was being tied to me. I simply want this removed from my credit and I will let the rest of the problems we have go. If this is not taken care of I will be forced to pursue legal action against CNAC and JD ByRider 's corporate offices. I am also formally requesting the original signed contract and the personal information of the franchise owner to file a personal suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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:
I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, &  (   XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: FCI Lender Services Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My deceased mom ( XXXX XXXX XXXX XXXX had a loan with XXXX  XXXX XXXX XXXX and there was a co-debtor on the loan, in XXXX, the co-debtor XXXX XXXX signed a quitclaim deed releasing his rights to the property to XXXX XXXX XXXX. At some point thereafter and while the loan was in default, XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX was assigned a modified version of the note between XXXX XXXX and XXXX. There was no notice of default sent by or on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, but a summons and complaint was filed and served for foreclosure. Several complaints to several agencies has revealed that according to XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX as the servicer for the trust and that I needed to contact XXXX  as XXXX does not get involved with the foreclosure process. I then reached out to XXXX  and initially XXXX  informed me that they have not serviced the loan since XXXX, but after I presented the letter from XXXX, they asked for additional time to respond to the Notice of Error. I had also filed complaints against FCI Lender Services , Inc., because FCI 's accounting records appeared in the foreclosure case file. FCI Lender Services , Inc. responded that they are the servicing the loan at the direction of XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX which is an entirely different trust. Despite the fact that XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX lender, FCI Lender Services , Inc. is unwilling to correct their servicing errors and claim that no errors exist. FCI Lender Services is not contracted to act at the direction of the lender as the lender has provided a written response that XXXX is its servicer. There is clear fraud going on her, but FCI Lender Services , Inc. is remaining steadfast at claiming a default for its client XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX but the loan is not in the trust serviced by FCI and their client is not the plaintiff in the foreclosure.

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 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX a {$59.00} " Membership Fee '' was placed onto my credit card bill by Capital One. Two attempts were made by myself and my spouse to change our card program with Capital One, but the company was unwilling to accommodate us. 
The last attempt we made was on XX/XX/XXXX and we again stressed our desire to remove the annual membership fee as we were unaware that it was going to be charged. 

It was disappointing to hear that such a de minimis fee which, when discovered and questioned, was handled in such a unfair and deceptive fashion. We had assumed that Capital One would note the small request, back out the fee and allow us to change to a no fee credit card program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: The Levinbook Law Firm, P.C.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went through a series of treatments and I was mislead to think I was " covered '' and I was told " no worries you are covered ''. After procedure done, bills started coming like oops we forgot to tell you. 

I was never quoted or asked if I agreed on the amount for the treatment. I know insurance paid the the debt and now they want me to pay it again. 

They send me 4 FDCPA letters alike and with absolutely no description of what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have requested time and time again that Citibank refund my money from my closed checking account # XXXX a week ago. Each time I call, I get some other story. This time the check has to be printed and mailed out. Well that is not taking forever. When a customer 's account is closed, the check should have already been cut and mailed out. I don't know why this bank continues to hold on to customer 's money.

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 monetary relief
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name XXXX XXXX XXXX, and Bank of America is reporting an account that is not mine. I have done several disputes with all XXXX credit bureaus and XXXX and XXXX have deleted the trade line but XXXX has not. The account number being reported is Bank of America # XXXX, opened on XX/XX/2006, and the balance is {$11000.00}. I have even filed a police report in the city of XXXX Texas and sent this to Bank of America but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home. I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report. Regards. 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 2021-11-15
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Employer : XXXX XXXX Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation