BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-09
Company: Navient Solutions, LLC.
State: SC
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:
My daughter died on XXXX XXXX, 2009. She had a private loan through what was then XXXX XXXX which is now Navient. Her loan was switched to my name without me being contacted. Every month, {$96.00} is being deducted from my back account. Upon co-signing for the loan, it was my understanding that I would only be held responsible for repayment of the loan in the event that my daughter defaulted on the loan. My daughter never defaulted on the loan prior to her death. Due to the fact that she died and never defaulted on her loan, I should not be held responsible for the repayment of this loan and this loan should be forgiven because of the death of my daughter. I have made several attempts to contact Navient regarding this matter and I have never gotten a response. I would like to be contacted by Navient to discuss the reimbursement of my funds and the possibility of loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At the beginning of XXXX 2015 I signed up for a PayPal account. All I wanted was the ability to simply pay my friends directly from my bank account. That is it. Then about a XXXX ago I got some mail from them that looked like an agreement of some sort. I did n't really go through it thinking it was n't important. Then today I got an email from they saying I owed {$15.00}. So weird and unexpected. I logged into my account to discover a newly added payment option, PayPal credit. They had opened a credit line under my name for {$1000.00} with an APR of 19 % and apparently when I had gone to pay my cousin {$15.00} I owed her it charged it to this credit account even though as far as I am concerned I chose to pay her directly from my bank account. 
I am furious. I emailed the company and called them. The customer service rep said I " probably clicked on a button agreeing without realizing what I was doing ''. I have multiple credit cards and a very good credit line. I would NEVER agree to a credit account with PayPal. I do n't need it and I already do n't trust an online wallet like this. The only reason I even opened an account was because I owed my friend money and they encouraged me to try it out. HUGE MISTAKE! 
I told the customer service rep that I never agreed to a credit account and that they had illegally done so. I also asked to have my account closed immediately. I then went and reported them to all XXXX major credit bureaus as illegally checking my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEMS HAD CONTINUED TO REPORT AN UNKNOWN ACCOUNT ON MY CREDIT PROFILE. I DO NOT OWE THIS COMPANY. THIS COMPANY CAN NOT PRESENT A SIGNED AGREEMENT/CONTRACT BETWEEN MYSELF AND THIS COMPANY. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES.

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 2017-12-27
Company: Experian Information Solutions Inc.
State: NY
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:
There are 5 hard inquiries on my experian credit report that were to be removed. I tried to submit the dispute online but experian would not let me on to dispute the information. The first inquiry that was supposed to be deleted on XX/XX/XXXX! is XXXX XXXX the inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX Arizona that inquiry was made on XX/XX/XXXX removal date was XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx that inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX  XXXX XXXX XXXX XXXX XXXX Nebraska that was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX ny that inquiry was XX/XX/XXXX removal date was to be XX/XX/XXXX all of these inquiries are still reporting and have not been deleted

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 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hi, I am facing a major issue with my credit report due to my father, brother and I having the same first and last name, previously my father has tried to apply for a car loan and it came up affecting my credit score. Today, XX/XX/2020 my younger brother tried to apply for a secured credit card and it did a hard inquiry of my credit report, please help, as I am trying to build my credit properly and these remarks keep pushing it down, I am afraid this might affect us more in the future. 
Please reach out to me I am in desperate need for help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NC
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:
I received a report from Equifax about information being deleted. 
The inquires are still on my report and no one will remove them I have a letter received from them twice about removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I visited my doctor at XXXX for my regular checkup and as suggested did lab work at doctor 's office. This lab work is sent to XXXX labs for study. The XXXX related expenses are dealt by insurance and doctor 's office. 
The XXXX labs should have Forwarded the insurance bill to my insurance company and any thing from there should have been dealt by my Insurance and Doctor 's office. Instead they kept sending to me which i thought was already taken care by Insurance. They moved this amount to collections impacting my credit very bady and without my knowledge. When i got to know about this i did call up XXXX on several occasions and each time they misguided me and said Doctor 's office is responsible. This continued long when i brought this to my Doctor 's office they said to deal with XXXX. Only when i narrated this incident to my Doctor then the doctor 's office found out that mistake was from XXXX. 
I want correct reporting back of my Credit score and also would like to register a complaint against XXXX and their practices in billing matters

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 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020, I opened a checking account with Bank of America. I was looking for checking accounts with bonuses and found the Bank of America XXXX plus banking. The XXXX  to get the {$100.00} was that I had to do certain direct deposits from my employer, which I did right away and I still receiving my salary in my Bank of America account. I called them a month after I opened the account and they told me I had to wait 60 days and I would get the {$100.00}. After 60 days nothing happened and called again. When I called back in XXXX they said they couldnt find any promotion in my account I fell so disappointed they lied to me every time I call I get different information. I called today and they cant even find the record that I called before. I called like 6 times. Please 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 explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: RI
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:
Credit card company report of non payment to credit bureau due on XX/XX/2021 to drop 75 credit score points when in fact the account was so current there were new balance of {$0.00} and minimum payment of {$0.00} on XX/XX/2021 statement. I have called customer service and they admitted it was an error. To resolve this they can not do anything but ask me to file a complaint

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 2016-06-21
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to Regions Bank on XXXX XXXX 2016, to make a deposit from the sale of my XXXX and my tax refund check. I prepared my deposit slip at home and drove to the bank drive up window. They were extremely busy and the teller, XXXX, was working the drive up window plus XXXX additions drive up lanes that were serviced by tubes. The teller took my money and counted it, I also counted it with her through the window. After a little while she go up and took my money away from the window and out of my view. She later returned and said {$1000.00} was missing. I informed her it was all there, I counted it at home plus I had counted it while watching her count in through the driveup window. The manager, XXXX came over and said she would count XXXX money drawer for the missing money. I watched as the money drawer was counted and afterwards told XXXX the money disappeared when teller XXXX left the drive up window area and my field of view. Manager XXXX gave me a business card with a Region 's investigators name XXXX on it and said he would call me on Monday XXXX XXXX. XXXX gave me my deposit ticket showing my {$6700.00} deposit back to me with the bank stamping on the back side of it. 
It is now one month later and no one from Regions Bank has called and talked to me. I have called Regions corporate headquarters multiple times trying to get a answer to my deposit incident on XXXX XXXX without success. I did receive a letter last week from XXXX to call him to resolve the problem. I have called him twice but he was not in and I have left messages but he has not called me back. 
I have been a Regions customer for approximately 40 years and have never had this problem from them. I am seeking your assistance for my {$1000.00} that Regions misplaced/lost.

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 2021-04-09
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: Old information reappears or never goes away

Complaint:
I THINK TO SAY WITH CONFIDENCE THAT NONE OF THE THREE ( 03 ) CREDIT REPORTING AGENCIES ARE QUALIFIED. I AM CERTAIN IN GOOD REASON ( S ) IN-WHICH I CAN, WILL & AS I WILL NOW DO SO & SAY BEING YOUR PATIENCE LISTEN ME PLEASE?. 
I HAVE AS I AM MAKE MY PAYMENT 'S BEFORE DUE AS WELL TWICE AS MUCH & MORE THAN AS WELL OFTEN & AT SAME TIME PAYING MUCH ATTENTION MY LIMIT 'S & RATIO 'S MATHMATIC IN CONSCIOUS EACH & EVERY MONTH AS WELL " ALL '' PAYMENT 'S, EXACTLY W/PROMISE I HAVE/I AM. 
SINCERELY, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased two {$200.00} XXXX gift cards from a XXXX in Washington DC on XXXX XXXX, XXXX. When I went to register them online on XXXX XXXX, XXXX, one card had someone elses name associated with it and two unauthorized transactions from a XXXX XXXX XXXX in New Jersey, and the other one was frozen. I spoke with XXXX in your customer service department who indicated that the frozen card had somehow been used in XXXX XXXX despite not being activated until 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 monetary relief
Consumer complaint received 2021-11-12
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: Public record information inaccurate

Complaint:
I reviewed my credit report with all three ( 3 ) bureaus ( XXXX, TransUnion and XXXX ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX, XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX has XXXX collection agency attempting to collect on the same debt. No one has provided me with proof of debt.

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 2020-04-12
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Management Services , LP Claims I owe them XXXX , and I don't owe them and know nothing about this " Debt '' .. I've reached out directly to them VIA there website " Contact Us '' 20 days prior to this day and have asked for Verification and Validation and haven't received a response whatsoever. and I don't want false information to uploaded to my Credit Report without any Verification. Thank You CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Identity Fraud committed against me. Someone used my personal information to open up bank account with Capital One 360 online. Credit monitoring service alerted me to this and I called Capital One to inform them of the fraud. They closed the account, but refused to send me letter stating that the account was not mine, that it was opened fraudulently and that I am not responsible/liable. They refused to send me anything and refused to engage with me on this. FTC guidelines say they are supposed to close the loop and assist the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: Harley Davidson Financial Services Inc
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XXXX XX/XX/2016, i had a loan and my balance Amount was {$11000.00} thru Harley Davidson Co. I voluntary surrender my vehicle due to financial hardship as XXXX veteran. The company sent my account to 3 credit bureaus as bad debt, charge off the comments was Profit and loss write off. It's unfair for me, of not getting approved to get an apartment because the credit bureaus refuse to delete my account because is verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 
And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. I never read any medical care from this company. This debt does NOT belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: WELLS FARGO & COMPANY
State: MD
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:
Greetings, I have settled with Wells Fargo but they have NOT removed the information from my credit report. I also need the following information removed from my credit report because it has already been more than 7 years, so it is pass the special limitations. 
1. Wells Fargo 2. XXXX XXXX  3. XXXX  4. XXXX  I really appreciate your assistance in removing these negative items from my credit report. 

Thank you. 
XXXX  XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: SYNCHRONY FINANCIAL
State: MT
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:
synocary bank continually denies any credit applications i file, my credit score has gone up and its almost three years since my medical bankruptcy i do not think their making a fair assement of my credit report especially since i received 2 unsecured credit cards form XXXX XXXX and both are in good standing

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 2015-04-24
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to Shellpoint Mortgage Servicing, XXXX, SC, My payment is due on the XXXX of the month, but not late until the XXXX of the month. By the XXXX of the month, I am getting phone calls on my job, home & cell phone from XXXX to XXXX everyday, from XXXX to XXXX times a day. I 'm not even 30 days behind, and if i 'm late, I simple pay the late fee when i 'm late with no problem, but I still get the calls all day long and I ca n't block their number. I could see if I was XXXX to 180 days behind to get the calls, but I 'm just late, and I still get these calls every month for the past year. I have contacted them several times, to stop robot calling me everyday. This is harassment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation