BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-22
Company: Navient Solutions, LLC.
State: SC
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:
Navient student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from Navient providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with Navient . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from Navient can seem to tell me why this continue to happen. During the month of XX/XX/XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. Navient is a billion dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Direct deposit is not pending in account and funds are not available. Can not get a answer from NFCU as to why my direct deposit was not processed and made available to me as today XX/XX/19 is my company pay day. Verified with employer that direct deposit was sent to bank and I have copy of check stub. I have bills setup on auto payment due to come out today and this will cause me to incur overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: LEXISNEXIS
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:
Lexisexis has quoted information to an auto insurance company that is false showing another 's persons name on my records and accidents that were in cars I never owned Also, they have credit reports that have another persons name, inquorate information on the report. 50 % false information from fraudulent files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to place a security freeze on my credit report with TransUnion on X/XX/17 at XXXX PST. The link to the Security Freeze option results in a webpage saying the service is temporarily unavailable. However, there is no problem accessing the webpage where TransUnion is trying to sell me their TrueIdentity product to " lock '' my credit report.
TransUnion appears to be taking unfair advantage of the XXXX hacking incident, and customer 's interest in freezing their credit reports, in order to FORCE us to buy their TrueIdentity product by making the legally required availability of a Security Freeze inaccessible. The increase in demand for Security Freezes can not be the reason for the unavailability of this service if the parallel, but more expensive, TrueIdentity product is still available.

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 2020-06-17
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice,  and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have been trying to dispute information on my transunion credit report. I 've spent 2 days on the phone trying to get to speak to someone. My file is with ( I am told ) in a different department being I had identity theft. I called XXXX as I was told. However I get an answering machine telling me to leave my name number ss # file # etc. I call the main number for transunion and after being on hold for so long I am either transferred or told to call the above referenced number. I have incorrect information on my credit report that I would like to re-dispute as I have substantial additional information to correct this incorrect information. XXXX ( fraudulant account ) has been verified with XXXX fraud investigation dept that it is to be removed off my report. XXXX XXXX account should have no deragatory history marked ( I also have a letter from commenity bank/victoria secret that this account has never been paid late and it is reporting as a late payment XX/XX/2014. Which is 2 years ago. They verified this historical payment on this account was never late and all this time it is reporting as a deragotory remark which is affecting my credit score. I am trying to correct and fix this information along with my commenity bank/express account which is also reporting as potentially negative ( which again i have substantial proof that this account was never paid late either and the deragotory remark should be removed ). It is very fustrating as transunion will not take my call. My time is very valuable such as everyone else 's but this is getting me really aggravated that I keep getting an answering machine and someone will call me back. I 'm not going to receive a call back and I want this incorrect information corrected.

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 2016-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed these accounts a few times already asking for validation and Transunion has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Transunion needs to remove these accounts. I have attached file with CIRCLED payment history errors. They go reporting " 0k '' status for a few months then they go late 90,120, 120, 120,120,120,120 ( How can it be 120days late for 7 months straight ) it Then goes to " X '' ( Unknown is NOT proper reporting ) to " Ok '' status then again same late Cycle again. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be removed.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX 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 A. 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 2022-07-23
Company: EQUIFAX, INC.
State: IL
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 have disputed this reporting several time with Equifax and submitted documents directly from XXXX XXXX who stated they could not verify the bankruptcy and removed it from their file, to whom Equifax stated they verified this bankruptcy through ( XXXX ) I am NOT disputing the information in the bankruptcy or the bankruptcy itself, I am disputing the fact the bankruptcy is NOT VERIFIABLE and could not be verified through the source Equifax claimed it was verified through ( XXXX ) I HAVE INCLUDED THE LETTER SENT TO ME FROM XXXX XXXX BACK ON XX/XX/2022 STATING THEY COULD NOT VERIFY BANKRUPTCY SO THEY REMOVED BANKRUPTCY from thier database.. 

IF EQUIFAX STATES YET AGAING THEY HAVE VERIFIED THIS BANKRUPTCY I NEED DOCUMENTATION IN HOW THEY VERIFIED THIS INFORMATION ( what method was used ) I HAVE ALSO FILED A COMPLAINT WITH XXXX  TO HELP LOOK INTO THIS MATTER AND WILL BE TAKING LEGAL MATTERS. 

In according to the FCRA all account must be verified or removed. 


Also may I state XXXX and XXXX has deleted this same bankruptcy from thier file Equifax is the only one who refuses to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating that I owe an amount on this account. I ran my credit report recently and I found it listed by  XXXX   XXXX   XXXX , and had it investigated and removed. They have now sold it to you so that you  may have a chance to make a few bucks.    I have never lived at the address in question and have no intention of paying you or anyone for a bogus reporting of information.   Therefore, I ask that you cease and desist any and all actions on this. Failure to do so, I will fill a complaint in small claims court against your company and report this fraudulent information to all concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has listed negative information on my credit report that is not true. I do not owe XXXX XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX any money.

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 2022-07-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for a online loan, and the company transferred my info to another company. The thiefs used software to mimic the real loan company. I found out later. So they had all my info that the original loan company had. So the man from the fake company called me and said, my loan was approved for {$10000.00}! He said check your account and call me back. I checked and it was {$7000.00} in my Chase Bank account! I called the number I was given, and told him it was only {$7000.00} in there. He said check later and the rest would be there. So he put another {$2.00} or $ XXXX in there. Then he called me and said. He needed a fee of {$2500.00} so I said for what. He said because of my bad credit, he had to insure the loan. So he said I needed to withdraw the fee and send it to him, he also said I should convert the {$2500.00} to Bitcoin. I did that. But then I said to myself why Bitcoin. Something is not right. So I had used XXXX to purchase the Bitcoin. But the I sold it right away. Got some of my money back. Then I called Chase Fraud Dept and told them. So then a worker looked into it. And said pulled all your money out. Your account has been compromised. He said they disputed a bunch of transactions. My rent and a bunch of overdraft fees were disputed. So thats how the money got into my account. So I started a claims process made a police report. The bottom line is everything got fixed except 1 month rent, that was done through ACH by XXXX XXXX. Where Ive been renting because my godfather is elderly and had XXXX. So anyway I fought with Chase up until XX/XX/2022 went in the bank and faxed all the evidence and Chase still denied my money in my SSA account. They said they did a investigation and that I owed XXXX XXXX XXXX months rent. So XXXX gave me a proof ledger that I owed them nothing Pay your rent he said. Then they changed my username and password!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Oakridge Direct Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A secretary at my job intercepted a phone call from a XXXX XXXX. XXXX XXXX asked to speak to the principle of the school I work in reference to a legal matter regarding me. The secretary simply forwarded the call to me. When she did so, XXXX XXXX repeatedly told me that he was going to come to the school and " remove '' me. He would give me no explanation as to what was happening, where I would be going or why? He simply implied that he was some form of legal person and would have a police officer with him to " remove '' me from my job. Obviously, this scared me to the point of a XXXX XXXX. I had no idea what he was referring to since he would tell me nothing except that he would be arriving with an officer to " remove '' me from my job. I asked if there was someone that I could talk to that could tell me what was happening. At that point, XXXX XXXX gave me XXXX XXXX 's phone number ( XXXX ) and said that I could call him. I called XXXX XXXX and he told me that I was to be charged in Pennsylvania with bouncing checks for defaulting on payments due this company. He proceeded to tell me that I would have XXXX counts. Each count could get me {$1000.00} fine and 30 days in jail unless I made arrangements to pay this debt from 2012 immediately. I explained that I had no money at this time and was still having financial issues. XXXX XXXX said that he would be able to stop XXXX XXXX from coming to my job if I could make a {$200.00} payment the next day and then {$480.00} by the end of month. I expressed my concern that I would not be able to get the money but XXXX XXXX simply told me if it was n't paid, I could choose a different payment arrangement but it would cost me double the amount. I agreed and gave someone my bank card info because I believed that a constable would come to my job and take me away for check charges. Additionally, the only part of the call that I was told was being recorded was the part where I agreed to pay the payments when I was transfered from XXXX XXXX 's extension to another. After calming down and researching on the internet, I realized that XXXX XXXX and XXXX XXXX threatened me and used incorrect information to scare me into paying them immediately, simply adding to my stress and financial difficulties. Additionally, I am not sure that I owe this particular debt. I called XXXX XXXX back around XXXX and told him that I needed a letter of verification but have heard nothing in response. I have had to repeatedly tell " someone '' and fax a letter demanding that they stop contacting my job over the last 6 months. My job does n't allow personal calls at work and they are getting tired of funneling calls regarding my personal financial woes. I do n't know how to stop them from calling my job, speaking to various people regarding my personal business matters ( NOT allowed ) and harassing me in this fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Sun Bank credit card makes Due Date impossible to meet because it is a day when mail is NOT delivered! XXXX XXXX, in XXXX ; Sunday, XXXX, in XXXX. 
I complained in writing to XXXX XXXX in XXXX, FL in XXXX No response. 
Meanwhile, Bank charged me {$35.00} late fee!

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 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed an incorrect balance showing on my credit report of {$350.00} for a collection with XXXX XXXX XXXX XXXX. The correct amount should have been {$56.00}. I initiated another dispute on XX/XX/XXXX. On XX/XX/XXXX, I was contacted by the creditor with a name and phone number to call to settle the balance of {$56.00} for a hotel stay that the hotel failed to charge to my credit card upon checkout in XX/XX/XXXX. I paid the balance on XX/XX/XXXX and received an email confirmation from the creditor ( XXXX - XXXX XXXX XXXX ). The creditor provided the name of a contact with the collection agency for me to call. I contacted the collection agency to see when the collection account would be deleted since the disputed amount had been paid to the creditor. She stated that the request had already been sent, and emailed me a letter stating the request was sent to remove the collection account from all three credit bureaus. On XX/XX/XXXX, I received the dispute results from Equifax stating the creditor verified the balance was correct, and is still showing the balance at {$350.00} as a collection on my credit report with Equifax only. XXXX is still showing a balance of {$57.00}, and XXXX deleted the collection account. This information should have been removed by the credit bureaus upon notification from the collection agency. I contacted Equifax on XX/XX/XXXX, and was told that they had not received a request to delete the collection account. I was given a fax number to fax a copy of the letter from the collection agency and a copy of the email confirmation showing that the balance had been paid and to reference the report number XXXX for the dispute, along with a cover letter. After submitting the documents, I was very surprised to receive the results on XX/XX/XXXX stating the collection balance had been verified as correct, and was given an additional dispute number of XXXX. I am having a difficult time getting this incorrect information removed from the Equifax credit report. I uploaded a copy of the letter from XXXX XXXX XXXX to XXXX this date, XX/XX/XXXX, as they are still showing the collection as active on the XXXX credit report.

Company response to consumer: Closed with non-monetary relief