BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: Garner & Conner, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Garner & Conner PLLC Attorneys At Law ( they do not advertise as a debt collector ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX. Phone number XXXX https : //www.garnerconner.com/ My Last communication was in XX/XX/XXXX and since that time have garnished my checking account as of XX/XX/XXXX and left me with no money to pay my bills. I called the number my bank provided me and had to leave a message but got no return call. Around the time of the last communication I hired an attorney to have the matter dismissed " with prejudice ''. This attempt to collect an old debt that has been charged off should be made illegal. Particularly that they can have the matter " legally '' bound by court that they can wipe out your entire bank account so that you can not pay your bills. I have all my documentation for this issue.

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 2016-05-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a settlement letter in XXXX 2015 for {$2200.00}. I have made all the payments and Navient sent my account to a collection agency for the full balance even though I made all settlement payments. I paid off the settlement early and have attached copies of the money order receipts. 

The last I heard from Navient was on XXXX XXXX, when they told me that my payment had been applied to a different account, that they had fixed it, and that I would be receiving a settlement in full letter shortly. Instead, I received a collection letter for XXXX XXXX for the full balance with no mention of my settlement or the settlement payments I made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
I certified for my unemployment the week XX/XX/2020 I got paid XX/XX/2020 to a wrong direct deposit account. I called everyday till today from the XXXX to dispute my case nothing has been resolved Im missing {$160.00} and no ones been able to trace it. I called the bank too. I told unemployment to send my payment to my eppicard account if the bank refuses payment and sends it back to Unemployment to issue payment to my prepaid card but my account is suspend/closed when log or I mean try to log in it say closed account. Why!?! I did nothing wrong on my part to have it closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: DC
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:
My credit reporting on XXXX from XX/XX/2022 is wrong. The notations about delinquencies, past missed payments over 30, credit score algorithms are all wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I do have a very good credit ( maybe an excellent credit ), but I can not run my credit or get a credit score or a print out because I do not have a Social Security. I apply for my credit cards more than 10 years ago using a ITIN # or Tax Payer ID #, I used to run my credit report or credit score without problem and now I ca n't. I feel discriminated ... DISCRIMINATION it 's a horrible feeling ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXUS SM BUS ADMIN ODA XX/XX/XXXX NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-18
Company: Experian Information Solutions 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/2001 XXXX XXXX hit with a hard inquiry. I have tried on multiple occasions to have this removed sending letters and calling them over the past year. I asked them did I have new credit card or anyone apply for a new credit card they say no. I know I have had an account with them 5+ years maybe someone requested a credit line increase is the only other thing i can possibly think of that maybe I left the computer on at a library or somewhere I was at. I never authorized anyone to run my credit on that day and would like the inquiry removed. I am very happy with XXXX  XXXX otherwise as i've been a long time customer but this inquiry I honestly have no idea what there talking about and is in accurate and erroneous

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 2016-10-16
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Several attempts in writing were made to Navient to provide student loan documents to verify and validate. No documentation received in last 60-days. 

Navient is reporting negative info to credit bureau 's severely hurting my financial status. 

I am making my student loans directly to US Dept of Education per agreement and on time. 

Need quick help. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For several months now, Bank of America which holds my mortgage has been promising to get me a loan modification. For several months I have provided all the numerous documents they have asked for. Still week after week, I have received more packages from them which is now a big pile of paper. Until I decided to hire a lawyer to help me out. Even with the law firm being involved they have been dragging their feet and even though the last person for my file who was the XXXX person to be in touch with me told me weeks ago that they will have an answer for me in a few days, told me today that they needed two more documents. It is my belief that BOA was never interested to help me out or get me a loan modification. I have paid more than XXXX XXXX dollars to them and still owe XXXX XXXX!! without owning a single brick of my only asset in life. Now I got a letter from a different loan company that BOA has actually sold my loan to them. So I have to start all over again. This is the most unprofessional and unethical company I have dealt with. Not only they were not honest in their dealings, they basically lied to me. Please advise me what to do. I am behind my payments but I do n't want to lose my house. It is the only asset I have. I also have a son with XXXX. I have to spend all my time and energy and money on him. BOA is not an honest broker. 

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 2020-08-29
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a certified validation letter on XX/XX/2020 they received it on XX/XX/2020. i asked to validate i have not receive no correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-09-30
Company: CREDIT ACCEPTANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking at my credit report and seen that I didnt approve nobody check credit and I havent been on website. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont have a amount but its showing in my hard inquiries. Company name is credit acceptance

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-04-19
Company: CIG FINANCIAL LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
CIG Financial is constantly calling and harassing people who I used as references for an auto loan, looking for me after I have already told them to stop calling. People are calling/texting me angry and upset because they are saying a collection agency is calling looking for me and they do not want anybody calling their phones to speak to me. This has happened more than once on numerous occasions. CIG Financial will not stop the harassment and they are causing conflict! According to XXXX XXXX, she notated my account for no references to be called, yet this has not happened. CIG is constantly violating my rights and breaking the law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My PayPal account was locked And they said I can access my money in 180days Now my account have been locked for more than 180days and I can't remove my funds I mail and call them but they don't want to help Please help me out I need my money My email is XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Financial Recoveries, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed a collection from a debt collection agency due to the collection not being mine ( identity theft ). The collection appears to be XXXX XXXX XXXX. I believe that my ex husband opened this account with his previous girlfriend while we were married 12 years ago and used my identification information ( state issued ID, social security number ) instead of hers due to her having a criminal record. The debt was for renting an apartment. He has since then filed bankruptcy and was relieved of the collection but it remains under my name even though it is not my debt and I did not authorize the use of my identity. The collection is not on my credit report, it actually was dropped from it due to the identity theft claim. The collection agency sent me a letter XX/XX/22 stating I still owed this debt. They are threatening to garnish my current husband 's wages for it even though it is also not his debt. The collection amount is {$5000.00}, originally from XXXX XXXX XXXX. The collection agency is Financial Recoveries Inc, located in XXXX XXXX XXXX WI.

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 2015-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is my complaint I sent Bank of America : Why does it take so long for merchandise that I purchased using my debit card and pin # several weeks ago to clear or continues to pend, thereafter deducting funds from a new deposit? 

Based on my salary and infrequent pay periods I am the working poor and a college student, So I have to maintain meticulous records of all my transactions and after auditing my account it is unnecessarily below the amount I have calculated due to these pending transactions when the first several deposit ( s ) of funds were clearly available at the time my card was swiped. If this was n't true I would n't be able to make any purchases not even with " credit ''. 

In the end, with no fault of my own, I become the victim of overdraft chargers and/or insufficient fees shifting money from my savings account to clear transactions I assumed were cleared in good standing. 

I am scared to touch the same money I earn and deposit because I feel like I am doing business with a loan shark. 

Please help me to understand how BOA conducts business regarding my concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I currently have XXXX private student loans being processed by Navient totaling XXXX. 
I have been on XXXX as of XX/XX/XXXX. I receive a total of XXXX a month in XXXX insurance. I currently pay private Medicare Advantage insurance of XXXX a month. I have attempted four times to seek financial forgiveness of my loans under the Total and Permanent Disability Act with Navient. Navient has forgiven XXXX of my loans for which I have attached documentation of along with my original diagnosis from my XXXX. 

Navient 's claim for not honoring the Total and Permanent Disability Act is that the current existing loans are not eligible for the TPD program without stating any reason why this is the case of their claim nor providing requested documentation showing proof of their claim. 
It is my understanding after talking with several persons at Navient that it is up to their " private discretion '' as to honoring forgiveness of my loans under the TPD act. 

I am reaching out for any assistance as to the veracity of their claim under my medical and financial circumstances. 

Thank you for your attention to this matter. 
XXXX p. XXXX e. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: CARD Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a deposit onto my prepaid card of {$10.00} on yesterday Monday, XX/XX/2020. I tried to use my card yesterday to pay for a purchase at the store be said it said that my purchase was declined. I was sent an email saying that I have received a deposit of {$10.00} on yesterday Monday, XX/XX/2020. Now it is saying that my account balance is {$0.00}. I would like my money back. They never told me that I would be charged for any fees, but I am now being charged for dress. Please help me? I am very upset and frustrated right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX, my Hyundai XXXX was involved in a motor vehicle accident where it was claimed a total loss. The insurance company paid XXXX for the vehicle, when the debt on the vehicle was XXXX. Therefore the insurance issued a check to me for the remaining balance of XXXX. 

Months later in XX/XX/XXXX/XX/XX/XXXX, as I am preparing to look at getting a mortgage. I come to find out that I was 30, 60 days delinquent on the account, Hyundai claimed I was delinquent on a remaining part. I called Hyundai and paid the amount and explained that I was not delinquent, but I wanted the problem removed from my credit history. 

Now the account shows as a charge off instead of paid ok.

Company response to consumer: Closed with explanation