BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: TX
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 am very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I have been going back and forth with the bureaus for over 7 months now! I ask that you delete these accounts immediately, or I will be filing a legal complaint against you! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways and need to be deleted immediately from all 3 bureaus XXXX  Card several inaccuracies and need to be deleted immediately from all 3 bureaus. 
Never had any account with XXXX XXXX and also several inaccuracies reported and should be deleted immediately from all 3 bureaus

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 2020-01-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2017-01-24
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This complaint is about Navient. www.navient.com. 
This loan in in my daughters name with the complainant who is the parent and cosigner. 
My complaint is : 1. unfair interest charges I understand that interest is charged daily, how can a additional payment a day later have multiple days interest? Furthermore, the payments can not be be directed to pay off he smaller account or be directed to principle only. In a XX/XX/2016 and XX/XX/XXXX phone call to Navient, I asked for a detailed analysis explaining my account, exactly how the interest is charged and the agent refused stating it was on the web site. What is there, is not clear. ( Shocking ... ) 2. Multiple accounts still show even though a consolidation was completed ( subsidized and un-subsidized ) and payments or additional payments can not be directed to pay off either the other loans or directly to principle. Multiple accounts means multiple credit account history. If there are XXXX showing on the account summary, I expect XXXX to be reported on. In this case, they state XXXX account and multiple are reported. This is inaccurate reporting. On this matter, I discussed this with Navient that it was showing multiple accounts and that the consolidation should then close out the paid off loans. The Navient CS agent agrees, and states that it really is not multiple accounts, just their way of accounting. Makes no sense. 
I believe this is predatory lending behavior. As a parent and cosigner, I understand what my responsibility is. it appears to me this institution is making this loan nearly impossible to repay. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My FTC Identity Theft Report is attached because I, XXXX XXXX XXXX, was a victim of identity theft. I have given my complete approval to this notification and its implementation. My identity theft affidavit was also mailed to all relevant credit reporting agencies. I have never provided my written consent or endorsed anything, identity theft happens, and I have a right to privacy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 2022-02-25
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out recently on today 's date XX/XX/22 in reporting identity theft on my credit from TD bank of an Indenifty theft impersonator that had opened a credit card and account using my name to do so, I did talk with TD banks customer care fraud department representative to resolve the matter personally as I haven't opened a credit card with them in person or online. Did not give me a clear date when the issue with my credit identity fraud would be resolved just that it will be reported. Also in note i only use one bank debit card from XXXX bank as my only and current card for any financial deposits and withdrawals What was recevived by me by mail today was a credit overdraft statement from td bank Amount due back to TD bank still was XXXX beginning balance was XXXX desposits XXXX electronic deposits XXXX other withdrawals XXXX service charges XXXX ending balance was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
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:
I have updated information : In accordance with the Fair Credit Reporting Act XXXX  Account Transunion, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.The account in question is the XXXX XXXX account has a late payment my profile and Transunion reported that without my consent.

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 2016-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Payoff process

Complaint:
I went online to Bank of America ( BoA ) credit card website to payoff the full amount due. The website indicated that the full amount due was {$7100.00}. There was nothing on the website to inform a consumer that paying the full amount indicated would not fully pay off the account. I made the payment for the full amount and believed I now had a zero balance on this account. As I had closed the account a number of years ago, my intention was to no longer have to make any additional monthly payments. To my surprise, instead of the next account statement showing a XXXX balance - it showed that I owed and additional {$38.00} due no later than XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I called BoA and spoke with a customer service representative, " XXXX. '' She transferred me to her supervisor, " XXXX XXXX, '' who identified himself when asked, as a " supervisor of the agent team. '' XXXX XXXX acknowledged that there is nothing on the website that explains to a consumer who wishes to pay the amount necessary to result in a zero balance on the account that the amount shown as due, on the day that the consumer signs onto the account, is NOT the actual amount that must be paid to XXXX out the account. 
XXXX XXXX explained that despite this failure to inform the consumer on the website, BoA refuses to credit the {$38.00} because somewhere in a revised terms of service, which he said was sent out in XX/XX/XXXX, it explains that if the consumer wished to pay off the full amount owed, the consumer must call BoA to find out the real account balance. 
I explained to XXXX XXXX that the failure to provide this information on the website -- in the " Pay This Card '' dialog box that pops up to allow the consumer to click on the " Make Payment '' button, and enter an amount to pay, is misleading. I asked that the {$38.00} be credited back to the account such that the next statement would show a XXXX balance, and he refused to do so, again restating the explanation in the paragraph above.

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 2020-10-06
Company: Fidelity National Information Services, Inc. (FNIS)
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 have tried to resolve this problem with Chex systems for a while now, and this company still refuses to remove this information from there reporting systems. I have consistently sent certified letters asking this company to send me information that validates that this is a debt that I owe. They have sent me bank account information, a bank printout, and no real validation that I owe this company any money and that thus is my debt. I have repeatedly asked these people to remove this information from my record, and that these charges were not made by me and this is not a debt that I owe. The company on numerous occasions failed to provide this information and continue to state that hey are waiting on XXXX  XXXX XXXX to send more validation, and etc. This again is not acceptable. I have been fighting to regain my identity that of which was stolen from me, and this company could care less, and there intent is to continue to provide false information in the chex system report under my name. The company that they are reporting as account abuse is with XXXX  XXXX XXXX in the amount of {$4600.00} they are reporting this information under my name and SSN and thus is inaccurate. I am a victim of identity theft and the report is attached. I want this company to delete this inaccurate information from my chex systems report immediately. My account number with the FTC- Federal Trade Commission is # XXXX and my Police Report Case number is 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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I recently received updated copies of my XXXX and TransUnion credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.

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 2022-07-06
Company: Experian Information Solutions 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:
I have updated information : In accordance with the Fair Credit Reporting Act XXXX Account Experian, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.The account in question is the XXXX XXXX account has a late payment my profile and Experian reported that without my consent.

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 2022-07-06
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a late payment in my Credit Report due banking error in my bill pay, I called the lender to explain them and they requested proof. BMW had told me that if I could get a letter from the bill payment company detailing their error, BMW would remove the delay from the credit report. I have sent letters to the bill payment company explaining their error but have not received a response. 

The account involved is the following : Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was disputed and removed from my XXXX report. I'm requesting that it is removed or deleted from my XXXX and XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: MoneyLion Inc.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/21 the balance of my checking account was stolen and fraudulently spent at an online casino despite my attempts to contact the bank and the casino and report the activity while it was still in the pending stage. Despite my reports that the pending charges were fraudulent the bank released the funds to the casino whom never bother to respond to any of my attempts to co tact them/. 

Afterwards, the bank ignored my efforts to report the fraud claiming that the complaint of fraud that was uploaded were not properly submitted, unreadable, cant the case was not opened despite my habdwtitten complaint mailed to their office. From there I would be places on lengthy holds ranging From hours and told that supervisors were not avalibke to take my calls. Call backs were never followed through on their part and any attempt to contact them further is met with a low level employee stating that there are No supervisors to take my call. 

Subsequently the investigation from around the same time against another vendor was found in my favor and the bank sent correspondence to tell me my phones have been placed back into my account which had been close months prior. All further contact with the bank was always met with supervisors being busy long wait times being hung up on, and. General disdain. On XX/XX/XXXX I was on hold a total of more than three hours told that there were no supervisors available to take my call that they were on our phone calls and one would call me back however on XXXX the XXXX The promised callback never happened the bank never contacted me so I called them it was placed again on a link the whole time exceeding over 5? hours refusing to hang up and the call disconnected through an employee that would not furnish her name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: KY
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:
I recently received updated copies of my Equifax and XXXX credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Sale of account

Complaint:
I had a secured credit card through Orchard Bank, XXXX $ deposit, XXXX $ credit limit. Orchard apparently sold their accounts to Capital One a couple years ago and I have been paying them since and have paid them off now. I called to ask about my deposit and they said that they have no record of my card ever having been secured and have no record of my deposit. On line, I see that there are many others that this has happened to as well. I would appreciate receiving my XXXX $ back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: NC
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:
Dear Sirs ; I was questioning a closed account reporting as a charge off. I pointed out a few of the mistakes in their reporting. By law if something is reported incorrectly that item should be removed from the report. Experian did not do that. Experian took the information I was pointing out and fixed the credit listing to reflect the correct information that I was questioning. I might not know all the rules of credit reporting but that looks illegal to me. I was under the thought that incorrect information lead to the removal from your report. XXXX used my own information against me and called it a update.

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 2020-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On today XX/XX/2020 I received a letter from Portfolio Associates Recovery , LLC alleging that I owe {$820.00} to XXXX XXXX  ( XXXX is the supposed Merchant ). I've NEVER had an account with XXXX XXXX, therefore I don't owe anything. Portolio Associates Recovery, LLC has not provided proof that they are authorized to collected this alleged debt or documentation that bears my signature. This debt claim is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: NJ
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:
For the past three months, I have been forced by my student loan servicer, Navient, to make a {$50.00} payment ( each month ) on a loan that I had recently paid off in full ( on XXXX/XXXX/16 ). The reason why I am paying each month is because I missed one payment and it significantly lowered my credit score ( which I work very hard to keep up ). I missed that one payment because Navient added the loan back on to my account WITHOUT notifying me. It is important to note here, that I have ALWAYS been enrolled in auto debit. The auto debit on this particular loan was CANCELLED due to the fact that I had previously paid it off in full ( I have the documents sent from Navient to prove this ). I called Navient multiple times ( wasted hours on the phone with many different representatives ) trying to get to the bottom of why a loan was still listed on my account ( as well as still accruing interest! ) when I had already paid it off. I was told that there had been a " payment reversal '' and that I should check with my bank. Having checked with my bank, ( I even uploaded pictures of my bank statements to Navient ) I tried to explain that clearly there was never any " reversal ''. I never got any money back. What was even stranger, was that there are a whole bunch of payments and reversals listed on my account that I had never been a part of! Navient claims that I was given back roughly {$7000.00} and had paid around {$12000.00}. I told one rep that I had done no such thing and asked him to explain all of that to me and he told me that the payment was paid to a loan that we both agreed was not even one of my loans listed! With that being said, nothing could get done about it. Each time I called, they told me that " it was being investigated ''. It has been three months now! How many more months do I have to keep paying for a loan that I already paid off?! It does n't sound like anyone at Navient is looking into my account and I am very nervous about all the money being moved around when I am not even touching it. I work hard to save my money up so that I can make a large payment every now and then ( that seems to be the only way that I am able to make a dent in my balance ) but, I am too scared to make any more payments on my loans because of this issue repeating itself! I really want to finish paying off the rest of my loans as soon as I can. I find it incredibly frustrating that I have reached out several times to Navient about this and all they want is the {$50.00} payment.

Company response to consumer: Closed with explanation