BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ), Account # XXXX ( XXXX ), and Account # 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 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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: EQUIFAX, 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:
I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ev ery 2 to 3 m onths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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:
SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
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: Account information incorrect

Complaint:
Oh XX/XX/2019, I notice incorrect information oh my Equifax credit report I immediately called Equifax at XXXX numerous of times but to no avail Equifax stated this account belongs to me and would remain on credit I repeatedly stated I know nothing of this collection, I ended the phone call and immediately call XXXX County Sheriff Department, A police report was file " Fraud '' case # XXXX Investigation is underway for Fraud 3degree felony Duty XXXX XXXX # XXXX. This fraudulent remark on my credit Report cause me 79 points,. I have called Equifax over 30 times within the last 2 weeks but to no avail.on XX/XX/2019 the fraudulent account was removed from my Equifax report but remarks caused by the damage of the fraudulent account, loss of 78 points were not and still have not been replaced. XXXX investigator XXXX XXXX Ph # XXXX after her investigation draw conclusions that I had nothing to do with this nor am I in their system 2 ever had applied for a loan accepted for a loan no delinquent on a loan, XXXX XXXX XXXX Ph # XXXX supervisor XXXX XXXX stated that he pushes the account some XXXX   XXXX stated untrue.. somehow Equifax damaging my credit through a fraudulent account r refusing to make it right and put it in the same status it once was before this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed an injury report with my employer in XX/XX/2011, resulting from improper working conditions, and was ordered to undergo an examination by the employer by the employer 's chosen doctor, XXXX. Under Illinois law, the employer, XXXX was required to pay for the examination. 

Later, after a workman 's compensation complaint was denied by my employer 's insurance, the employer refused to pay for the examination. 

XXXX then demanded that I pay for the examination. I told them I did n't owe it. I told them to submit it to my medical insurance, XXXX, if they insisted the debt was valid, but, since I did n't legally owe the debt, they refused to submit it to the State of Illinois since it would be a crime for them to do so. 

They turned the debt over to a collection agency, ATG Credit, XXXX, XXXX IL XXXX. I disputed the debt in writing, but ATG Credit has never provided me with proof of the validity of the debt. 

ATG Credit continues to report it as an unpaid debt. They have refused to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Monterey Financial Services LLC
State: OH
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:
I paid off the balance. They sent me a letter saying I still owed money and was 60 days late. I then paid the amount they say I owed and will still not remove the 60 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Navient Solutions, LLC.
State: FL
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:
I originally filed a complaint in XXXX # XXXX. The response from the company was they sent you a copy of my note. Which I have. 
I have paid more than the minimum payments and even paid extra payments ahead for this improperly handled loan, attempting to get it paid off. I recently on XX/XX/XXXX got notified that my XX/XX/XXXX payment was due on XX/XX/XXXX. I paid the XXXX payment on XX/XX/XXXX. I called and the customer Service person XXXX, who after multiple reviews agreed that the payment was made and there is some kind of glitch in the system. She said it would be corrected within 48 hours. It isn't and I don't want my credit ruined because of this worthless and corrupt company. 
2nd Issue - While reviewing the payments I pulled the history of my account from the Navient website and downloaded the XXXX file Navient supplies showing all my payments. Wasn't I surprised to find they have been ADDING the payments I make to the principle TO THE balance for 6 years from about XXXX to XXXX. EXACTLY what I complained about originally in my complaint in XXXX. 
Called back Navient, spoke with a person named XXXX who stated " what you are seeing on the screen DOESN'T MATCH what I am seeing. I will send it to IT Dept. '' Additionally, they capitalized interest WHEN I ALREADY PAID THE INTEREST. 
3rd Issue. XXXX XXXX Made my XXXX Payment loan balance is {$40000.00}. Navient " sells '' the loan for {$41000.00} - 12 days later. Why is this the Principal balance, I don't know. I make 3 payments more, All on-time XXXX, XXXX, XXXX. XX/XX/XXXX Navient " sells '' the loan again and puts back the principal balance of {$40000.00}. WHAT DID MY XXXX, XXXX, XXXX payment go to?????? Not MY Principle Balance!!!!! 
I need someone to do FORENSIC ACCOUNTING to get to the bottom of this since I can't see how they applied anything on my account. PLEASE DO YOUR JOB AND HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Global radius solutions is a company that I have never done business with, heard from, interacted with. This is a medical debt collector. Hippa violation!

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 2015-09-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been experiencing ongoing challenges while trying to honor my agreements with my lender, i.e., discrepancies in the amount indicated on the company 's website vs. what is actually owed, the ongoing receipt of Past Due Notices in spite of making all of my agreed upon payments on time, the mistaken report to the credit bureaus regarding my payments and finally, hours and hours spent on the phone with the company 's representatives without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: VA
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:
I have been a loyal customer with XXXX for many years and have always used the credit account through XXXX XXXX to take advantage of zero percent interest. XXXX XXXX is reporting a late payment on my credit report. I have NEVER paid this account late. I have participated in automatic payments or paid manually but have never paid late.

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 2020-06-12
Company: MoneyLion Inc.
State: MI
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/2020, MONEYLION fraudulently opened a {$500.00} credit builder PLUS loan in my name. I was not aware of this account until it was negatively reported on my credit reports on XX/XX/2020. I have contacted them and even paid the fraudulent loan off to protect my credit as my condo burned down and I am buying a house. I have filed complaints not only with MONEYLION but with the FTC and the police. I submitted all documentation to both the credit bureaus and to MONEYLION but they refuse to remove the fraudulent account, let alone update any credit reporting. 

This has taken a huge hit on my credit and my mortgage was denied because of this illegal and fraudulent account. They refuse to correct this injustice and I am prepared to take this to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. I recently attempted to get cable last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 11 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX  XXXX XXXX XX/XX/XXXX {$4500.00} XXXX  XXXX XXXX XX/XX/XXXX {$6100.00} XXXX  XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX  XX/XX/XXXX {$120.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2016-02-24
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
On XXXX/XXXX/XXXX I was hospitalized. I pass out at work and admitted to XXXX XXXX XXXX XXXX. I was discharged XXXX/XXXX/XXXX. The total amount of bill {$11000.00} after all insurance payments. I was left with {$4900.00}. I was paying {$100.00} every 2 weeks to Franklin Collection Services ; XXXX. XXXX XXXX, XXXX, XXXX . I lost My Job From XXXX XXXX XXXX XXXX XXXX On XXXX/XXXX/XXXX. I was only receiving unemployment and part-time work at XXXX. Excess phones call and threatening legal actions from representatives. XXXX. I have paid {$1000.00} to the account but on XXXX/XXXX/XXXX the representative stated I owed {$4600.00} and I am out of work once again XXXX/XXXX/XXXX lost job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: Exeter Finance Corp.
State: NH
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Automobile loan which had gap insurance coverage iwhere loan should of been paid off with the gap insurance due to the death of the loan holder ( XXXX date of death XX/XX/XXXX. 
The car was also repossessed and resold which also was for more than the loan amount. 
I also never received any letters or documentation from EXETER Financial regarding amount left on loan or that they were seeking collections. I also did provide Exeter Financial a death certificate and Gap insurance would if paid off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: PREFERRED CREDIT INC
State: OK
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:
During this Covid-19 pandemic I have been unable to make a payment on my preferred credit account as my wife lost her job and my income was hit hard. They said that wouldnt be an issue and then whenever I got some money I paid the entire balance off but they reported a missed payment for 90 days which really hurts my credit. I have never missed a payment and have always had 100 % payment history on all my accounts. I would really like to get this removed and to show that I still have 100 % payment history. I think its really unfair and a really bad look to report something like that during a pandemic and a crisis that most everyone has suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have XXXX finance loans on my account for auto loans from XXXX XXXX that I never applied for or authorized. I never needed an auto loan because I purchased a used vehicle with cash. I have an inquiry from Ally Financial Inc that I never authorized. I have an inquiry from XXXX XXXX. I have an inquiry from XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX that I never authorized. I have an inquiry from XXXX XXXX XXXX that I did n't authorize. I would like to dispute all the above names from these credit agencies as I did n't give any of them the permission to access my credit therefore putting these hard inquiries on my credit report which will damage my credit.

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 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2016-05-07
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notice from a credit monitoring service that changes had been made to my credit report. Upon viewing my credit report, I discovered a negative report of an alleged debt. I have never received ANY communication from STELLAR RECOVERY INC that reported this alleged debt. ( Reported Since : XX/XX/2016 ) This debt has NOT been Verified or Validated, Nor did they send me ANY notice of a right to dispute BEFORE reporting it to ALL XXXX major credit reporting bureaus!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Not only i did not receive a right to dispute, i have sent them thru a notice to verify debt which has been completely ignored. They are trying to get a Judgment and a levy on my account without submitting my requested information. I owe much less than they are requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020 a Check was drafted from my account which brought it to a negative balance. On XX/XX/2020 at XXXX central time I received the email notification that my account balance was lower then {$25.00}. Bank of America had already taken out the overdraft fee of {$35.00} the previous day XX/XX/2020. I received no other notification that my account was low on the day it was negative and didnt have the chance to avoid the {$35.00} fee prior to it being charged. The account is no longer negative as of XX/XX/2020 at XXXX XXXX  central time. I requested that the fee be waived because their notification was a day late in their banking app chat box and didnt receive any assistance beyond a number to call, but Ive had it with their business practices.

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 2022-12-14
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX  Today I spoke with Sallie Mae in hopes of coming up with a more flexible payment plan instead of the XXXX XXXX monthly payments as well as the 12 % interest. I have a small XXXX XXXX old child, with many expenses-we have even got rid of one of our cars to reduce monthly costs. This company offered me zero help or support simply said the interest rate would go up if I opted for any type of repayment options and even that would only reduce my monthly payment by XXXX XXXXwhich I feel should be or is illegal. I am questioning the moral conduct of this company as a whole. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX all throughout the pandemic. This is not how you treat those who have chosen public service jobs. Offering no sort of loan repayment options or support. This is not sustainable especially during these economic times. I wish for this company to be fully audited on their practices and " programs '' entirely criminal.

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