BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$86.00} XXXX  XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2021, and on XXXX XXXX, I have reached out to XXXX and requesting XXXX tradeline be deleted from my consumer file and consumer report. I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.

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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2022-07-25
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 there was a Hard Credit Check. Someone fraudulently opened a Discover Card using my name, address, phone number, and I believe Social Security Number. I phoned Discover when I received notice of a change of address to a card I did not apply for, I had just received the card. They apparently cancelled the card after my phone call, and the situation was referred to their fraud department. I received I put a Credit Freeze on my Credit Report through XXXX, XXXX, XXXX and a freeze through XXXX on XX/XX/2022, after there was another Hard Credit Check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I recently applied for a XXXX loan to buy a house for my family. When the lender ran my credit report, I had an account from Wakefield & Associates pop up for {$3100.00} that I am completely unaware of. I decided to call them and inquire about this debt, XXXX answered my phone call, I asked for any proof that this debt was mine, any signatured documents from me, they stated, " That's not how this works. '' I explained that I will file a complaint with the XXXX and XXXX for reporting erroneous information to my credit report and limiting my credit possibilities. XXXX then stated, " That's not how this works '' again, then proceeded to tell me to " call a hospital and ask for itemized list. '' I don't have any recollection of this debt by any means. I have disputed this multiple times. 

Please help remove this from my credit so I can purchase a home for my family. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My daughter asked her Grandmother to co-sign on XXXX XXXX loans. The loans were sold to Navient. XXXX did not finish school because of the expense. She instead started working for a very large corporation who is paying her salary plus bonus. The only salary that XXXX can commit to is {$20000.00} per year. Her loan payments are {$600.00} per month. She tried to renegotiate, she tried to get her interest rate reduced but they turned down every request for assistance. She has a very good credit history with Navient. 
The problem is her Grandmother is XXXX XXXX XXXX and this company calls her 8 or more times a day starting on the day the loans are due. XXXX pays her loan payments with a paycheck that at times does not fall on the due date. They have told a XXXX XXXX XXXX women that the only way they will stop harassing her is if she gets a lawyer to send a Cease and Desist letter or give them her credit card number. XXXX does not have a 30 day late on her credit report. 

We have gotten a lawyer and we are sending a letter to this company. I do n't know what else can be done about the harassment of a co-signer. They said that legally they can start call her at XXXX and continue up to 8 times a day through XXXX. Its takes several days after a payment is made for the calls to stop. This is a XXXX XXXX XXXX women who is too afraid to not answer the phone and they know it. 

This story about student loans and Navient is a very common story. There must be a way to get this company to stop the harassment. No one requests to do business with them. People who take out student loans with the government are not given any notice or warning that the the loans will be sold to this company. 
Something must be done to protect people against this kind of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Account status incorrect

Complaint:
I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello Sir Compay call Security credit services call me in XXXX and told me i have {$1700.00} payment left which i never borrow and lease from any XXXX. I told them to send me written or email notice but they didt send me any thing and yesterday they put inquiry in my credit companies. So i like to take further step with you so you can help me for this.i have there info Company : - Security Credit Services Address : - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ID : - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: NY
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, XXXX XXXX or Equifax 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 ) portaXXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an XXXX XXXX  and XXXX XXXX XXXX for my business in XXXX XXXX, and spent the money, now ( XXXX XXXX, XXXX ) Capital One has placed a hold and demanded verification which I provided, yet they continue to hold indefinitely while they " review '' my account. They are not federal law enforcement last I checked and I can not run my life while they seized my money unlawfully. Calls have gotten me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: SIMM Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Simms Associates was hired to collect for my XXXX delinquent student loan accounts owned by the XXXX XXXX XXXX. Simms made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16, Simms claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this, stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless, on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only, not my cosigner 's name ) by Simms Associates and paid to XXXX XXXX XXXX, my loan servicer, and listed as a " Borrower Payment. '' I myself had no contact with Simms Assocates regarding this particular loan issue prior to XXXX/XXXX/16, and I made my first contact with them on this date inquiring as to how it was permitted for my cosigner to authorize payment from an account that does n't have her name on it. I also inquired as to how they were able to obtain my XXXX bank account information if me and my cosigner have never provided information for this specific bank account EVER to anyone at Simms Associates. 

I contacted XXXX XXXX XXXX to determine whether or not they provided my bank account information to Simms, they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans, but sold them some time ago to XXXX XXXX XXXX. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to Simms Associates, then someone else did, and did so illegally. 

Simms Associates told me that they would have to look into the phone call they had with my cosigner on XXXX/XXXX/16 and would get back to me-they have yet to do so. 

I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction, to which they stated they would attempt, but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to, but for whatever reason, they were hesitant about whether or not they would be able to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Account status incorrect

Complaint:
I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.

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 2017-02-26
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit report via credit karma and credit karma showed a new creditor had been added on my report on XXXX XXXX that i owe money from an opened account on XXXX XXXX for XXXX $ by law office of mitchell D bluhm and reimbursement technologies when no such debt was made. I have not done any business with anyone to have generated this account. It must be removed immediately for it is in error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: AR
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 identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2015-09-23
Company: Chrysalis Holdings LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
NewDay XXXX Financial was working on a refinance of my mortgage. At the time I was no longer employed due to a XXXX Related & VA Established XXXX and Workers Industrial Insurance " Work-Related '' Injury that required XXXX surgery. My workers compensation biweekly payment ranged around {$2100.00} ( or as an annual income {$54000.00} ). This compensation would have continued until XXXX of XXXX venues occurred either I recovered from the surgery and went back to work or the surgery failed I was placed on XXXX a little higher then this compensation. 
Instead I was told that, while they would accept an individual receiving social security XXXX and VA XXXX they would not accept workers compensation payments, even if over {$50000.00} as an annual income. They stated that there was no guarantee that this funding would continue. Now I have a problem here as there is no guarantee on any of the funding I draw ; XXXX retirement can be discontinued by the federal government at any time ; VA XXXX could be cancelled at any time ; and my possible employment in the construction field could start and stop within a month if the client cancelled the project. There are no guarantees on anything but industrial insurance has a better control then all then others. There are specific conditions that have to be met to stop payment. So why was over XXXX of my total annual income essentially tossed out ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I Submitted On numerous occasions the inaccurate reporting on my credit file for ability recovery collections. they immedicably don't provide me the proper investigation on my credit report. they are hurting my file and character as reporting inaccurate information. they don't send me any proof to validate this inaccurate 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 2019-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/19 Card was given to car rental company XXXX XXXX as to repair one scratch caused by me. 
XX/XX/19 Charge was made to a merchant whom I dont recognize for {$260.00} Later XXXX XXXX sends me the receipt for the repair charging {$260.00} to repaint bumper AND fender AND reform bumper XX/XX/19 Filed a fraud charge and temporary credit was given XX/XX/19 Charge was reapplied because I gave consent. I did to fix ONE scratch and nothing else. They went and repaired all the damage on the car made by other people too. Case transferred to dispute team. 
XX/XX/19 Dispute team grants temporary credit. I promptly submit a document explaining the story. 
XX/XX/19 Receive a letter saying investigation was not in my favor and credit will be reapplied. I state that its fraud. You cant have person A give merchant B a card and then merchant B uses at merchant C.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Immediate Credit Recovery
State: ID
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 a legal and lawful cease and desist order was transmitted via fax to Immediate Credit Recovery, Inc. Confirmation of said transmittal was obtained. ICR, Inc. violated said cease and desist order on XX/XX/2019 by sending yet another attempt to collect via postal mail. Another notice was transmitted to them via fax informing them of their violation and of there consequent inclusion in any litigation to follow.

ICR is now in direct violation of a legal and lawful cease and desist order.

Company response to consumer: Closed with explanation