BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX I received my XXXX XXXX XXXX from XXXX University in XXXX North Carolina. As of today, XX/XX/XXXX I have a student loan balance of {$97000.00}!! I would like to know how an XXXX XXXX XXXX from anywhere has the same debt as a XXXX scholar??? Not downplaying an XXXX XXXX XXXX because I'm glad to have it, but in some high schools this program is offered. There's no way I should have a debt of {$97000.00} for an XXXX XXXX XXXX from XXXX University, for that matter anywhere! I live in North Carolina I feel that navient has taken advantage of the interest payments on my student loan. When I was applying for these loans on campus with assistance from the staff of XXXX University, I stated to them that I had never been to college before and did not I understand the loan process. They sat beside me and assisted me in clicking different loans as I was unaware what I was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: FIRST HORIZON BANK
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
the bank tells us to use XXXX to make payments, they do not tell us that we have ZERO protection, no way to trace the money, no help from them if there is fraud. i got scammed for {$350.00} and the bank says so sad too bad

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a a unverified account from CHOICE RECOVERY   XXXX , XXXX . I   had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Saturday XX/XX/XXXX XXXX I attempt to cash a a check ( {$320.00} ) from second job into my pnc acct from a pnc ATM, the employer banks with PNC also. No success with cashing/depositing check into account the ATM ask if I would like to deposit. No express funds option or letting me know when funds will be available. Ill usually use express funds or cashing just for ease, in the past I would be given the option to how I would like to deposit. this time I wasn't which is my issue. 

Same day - Call pnc, have a rep hang up on me while lying to transfer to manager. Call back to be denied by another manager. Was told my funds wont be available til Tuesday and there's nothing I can do. Call another department and was given more poor customer service. they seem to see the issue but don't care to fix it. if the kiosk wont offer express funds like they typically do let the consumer know they will be waiting 80+ hours for their funds. I put a complaint to have this process looked after, im not sure if they received this. 

Monday XX/XX/XXXX XXXX  Call pnc, Have rep say on telephone she would check for availability of {$100.00}. Withing the next sentence due to her unprofessionalism she tells me she wont do nothing for me today not even check. I asked her did she just say she would check about getting some of the funds available today. She wouldn't answer because she know she did. That call ref Number is ( XXXX ) Called another rep after and he actually went through with the check of available funds and told me none would be available due to the fact I used a pnc ATM. This makes no sense to me as to why im in trouble for using their atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Diversified Consultants, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
While I 'm half-way into completing the rest of the student loan payment. I got a call from Diversified Consultants Inc. and I have gotten these calls before. Which every customer is curious is to why these companies ca n't follow the laws and to comply with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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 have filed a complaint along with a copy of an Identity Theft Report ( see attached ) on 2 different occasions and you have refused to remove or block the fraudulent information from my credit file. The items are XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Per the Federal Credit Reporting Act 1681c2. Block of information resulting from identity theft ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You are breaking Federal Law. This is my last attempt to rectify this issue and if not my next course of action is to file a lawsuit against Equifax for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was reported to my credit report years ago. I sent a letter of dispute to the creditor and asked for proof of the debt. I also sent a request to the collection agency Midland Funding for proof that I owed this debt. I have no knowledge of the debt and have never had a credit card through XXXX XXXX XXXX XXXX. Midland Funding continues to report past due payments on my credit report and it has affected me and prevented me from getting other sources of credit. XXXX XXXX has been sending me pre-approved letters and emails for credit cards. If Midland Funding records show this debt, why is XXXX XXXX XXXX  XXXX. ( the original creditor according to Midland Funding LLC ) sending me pre-approved credit card inquiries? I have attached one of those letters from XXXX XXXX XXXX The bank wants me to sign up for a credit card but their collection agency tells me I owe them money. Midland Funding is being fraudulent.They are trying to collect a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware of the debt and I offered settlement as they never notified me of my right to dispute the debt in writing. When I became aware that I could dispute the debt, in which I was just offering settlement to make this go away as the person  at Capstone Credit Services,   XXXX   XXXX  was very degrading, I did just that. I sent them a request to dispute the debt via email on  XXXX   XXXX ,  2017 , and followed up with them as of  XXXX   XXXX ,    2017  to advise them they had failed to send validation to the debt however they continue to report this to my credit report. They are in essence violating the law in the fact that they are reporting an unvalidated/unverified account. I have contacted their office as recent as today and spoke with a  XXXX   XXXX  who advised me to leave her alone and find someone else to both er. ( How unprofessional! )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Again, this is my second complaint with Portfolio Recovery Associates. I am wanting to know WHY theyre not providing a copy of the original signed contract between the original creditor & myself! I have requested numerous times & uploaded proof. They continue to send me copies of bills & statement. They have NO physical proof or can not even verify these accounts are in fact mine. Why are there federal laws in place if they arent held to meet them!!!!?????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2021, The amount of XXXX reported late on credit report. My mortgage was sold during the process. Please correct, no lates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/2021, The amount of XXXX reported late on credit report. My mortgage was sold during the process. Please correct, no lates

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 2018-03-20
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know this company XXXX, I just learned of this when it was added to my credit report on XX/XX/XXXX, I never been to this hospital and dont owe anything. I have medical insurance and never been to this place.

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 2022-04-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is useless

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 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2021, The amount of XXXX reported late on credit report. My mortgage was sold during the process. Please correct, no lates

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 2022-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit reporting which i did not pursue.

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 2019-08-26
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is regarding Cash App, a unit of Square. Without warning on Saturday XX/XX/2019, my account was closed. I had just about {$220.00} in my mobile balance and I have been unable to withdraw funds per their instructions. I contacted customer service via email and XXXX because they do not provide a phone number for issues, which in and of itself is an insane thing, and was told they had not heard from me regarding a case for a week so they closed the case and my account. I can not withdraw my funds and I have no idea what's going on. They are totally unresponsive and, again, they do not provide a phone number to speak with someone for complaints like this. All I want to do is maintain my account, discuss whatever this case is that they said I did not respond to when in fact I was never notified that there was a case requiring my response, and withdraw the money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
on   XXXX   XXXX   i called  XXXX  3 times, was hung up on twice, the last person named  XXXX  took my complaint and he said that for inquiring on   XXXX   XXXX   XXXX   this will add another 10 years which will not remove til   XXXX   XXXX   This is a fake. this account has been inactive since  XX/XX/XXXX  this is now  XX/XX/XXXX , i then called Capital One and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a truck driver, i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago. Capital One is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -  XX/XX/XXXX  took the help of the  XXXX  because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on   XXXX    form:
 XXXX  report

  XXXX   XXXX   
  XXXX   XXXX  

  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXXXXXX XXXX XXXX  transunion and XXXX XXXX XXXX XXXXXXXX XXXX is committing interstate fraud, illegal activity, and violation of federal law, maryland, texas and XXXX XXXX XXXX  law. they are destroying a XXXX veterans health and causing him to be XXXX and are legally liable for their actions. they are ILLEGALLY and fraudulently inserting a false, fraudulent collection that is false and fraud that I do not owe and have never owed on my credit report AND IS not MY ACCOUNT AND I DO NOT OWE!! THIS IS is a fraudulant illegal collection account that I DO NOT OWE And AM NOT REPSONSIBLE FOR!! XXXX XXXX XXXX AND TRANSUNION ARE VIOLATING FEDERAL AND STATE LAW AND HAVE BEEN REPORTED TO THE ATTORNEY GENERALS OF DC, TEXAS, AND ILLINOIS, AND CALIFORNIA, WHERE TRANSUNION HEADQUARTERS ARE LOCATED. I HAVE ALSO FILED MULTIPLE XXXX COMPLAINTS AGAINST THESE COMPANIES, AND HAVE THE STATES ATTORNEY GENERALS INVESTIGATING YOU FOR FRAUD!! I DO NOT OWE THIS COMPANY AND THIS IS FRAUDULANT AND ILLEGAL. REMOVE THIS COLLECTION FROM MY CREDIT REPORT IMMEDIATELY TRANSUNION and XXXX OR I WILL SUE YOU FOR FRAUD, PAIN, SUFFERING, EMOTIONAL DISTRESS, XXXX AND MY MEDICAL BILLS. YOU ARE PREVENTING A XXXX VETERAN FROM BEING HOUSED AND FOR THAT YOU SHOULD BE SUED AND YOUR DIRTY XXXX, XXXX, FCRA LAW VIOLATING, CORPORATE LEADERSHIP THROWN IN JAIL!! YOU ARE DESTROYING A VETERANS LIFE YOU XXXX XXXX XXXX XXXX!!! REMOVE THIS ITEM FROM MY CREDIT REPORT IMMEDIATELY!! IT IS FRAUD, NOT VALID, ILLEGAL, FALSE REPORTING AND A FRAUDULANT ILLEGAL ACCOUNT!! TRANSUNION IS VIOLATING THE LAW AND DID NOT PROVE THIS FRAUDULANT ILLEGAL ACCOUNT BEFORE PLACING ON MY CREDIT REPORT TODAY. THIS FALSE ILLEGAL FRAUDULENT ITEM IS ALSO WELL OVER 7 YEARS OLD, EVEN IF IT WAS LEGITIMATE WHICH IT IS NOT, IT IS FALSE, ILLEGAL, AND FRAUDULENT. this alleged account is allegedly from XXXX XXXX and I do not acknowledge this alleged false illegal item on my credit report. im a XXXX no income no assets veteran

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 2017-08-23
Company: JH Portfolio Debt Equities, LLC
State: ND
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had pay day loans with a place called XXXX XXXX. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit 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 2022-04-27
Company: Experian Information Solutions 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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I was told in the past that these accounts would be deleted from my credit report over a month ago but they still appear and are causing me to stress out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2017-04-12
Company: Synovus Bank
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation