BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attended XXXX XXXX XXXX between XXXX through XXXX. XXXX lied about graduates ' job prospects, made " repeated and significant misrepresentations '' about its ability to help students get jobs, and In reality, making it harder to find employment when XXXX was listed on my resume. 

In addition, with XXXX 's shuttering, it has been impossible to get financial information to corroborate any balances due, how the provided funds were utilized by XXXX, and how the balance has ballooned exponentially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Alleging unlawful fraudulent Conduct,Bank accounts,Stocks Bonds,Escrow accounts,Arch payments,ect

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home have a sale date XX/XX/XXXX. Please help me to keep my home. I lost my job XX/XX/XXXX due to XXXX XXXX, I 'm XXXX years old. I am now working again since XX/XX/XXXX. Keep Your Home California has agreed to pay the back payments, but Wells Fargo Bank is refusing to accept the funds. I make enough money to pay my mortgage from now on. I ca n't get an answer from Wells Fargo on why they are refusing help from Keep Your Home California. I am still waiting on a call back. Please contact and request an answer for me. Keep Your Home California counselors says they will pay back payments owed up to {$25000.00} but Wells Fargo would have to accept. Thank You very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Pnc bank made it after n during a threatening. Encounter n threat. Vs me by staff telling. Me '' XXXX did '' that hed be canceling. My account n that my accountwould be closed with XXXX more. Report vs the bank. With. The. Cfpb. Now tonight im trying to access the account slash make a purchase. N its being declined i demand investigation. Vs pncbank for retaliation. Plus i made civil rights complaints n this is a retaliatory cutting off of my access to my XXXX. Check ssi n other ssa funds by electronical usages based on XXXX resenting. Me making federal governmental. Reports vs a bank thst broke some statutes codes under banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: RMA Credit Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need them to produce a sign contract between me a nd RMA cred it associated baring my signatures and theirs showing that we have a contract or that I owe them money. Since can not produce this contract it must delete not close but delete and remove from my credit report. If not removed off my credit report we will go to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: FIRST HORIZON BANK
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am in need of some help with a second mortgage loan issue. I filed for Chapter XXXX Bankruptcy and it was discharge XX/XX/XXXX. I included both my first and second home mortgage loans. I moved out of the property. XX/XX/XXXX the mortgage company holding my first mortgage, XXXX offered me a Government refinance loan and I accepted the offer nothing was ever mentioned about or concerning the second mortgage note. I have made on time payments ever since. The Second Mortgage with Horizon Home Loans was never mentioned, I have never made any further payments to the second mortgage since my Bankruptcy XX/XX/XXXX. Fast forward to now, I am XXXX and live on a fixed income and in need of repairs to this home at XXXX XXXX XXXX, XXXX CA XXXX. My only option is to finance the repairs, however the second mortgage loan is still showing without reconveyance or quit deeded. I have made several attempts to contact First Horizon Home Loans without a single reply from. I have filed a BBB complaint with them without any response as well. My current mortgage loan company XXXX which now also owns First Horizon Home Loans has had no reply or help as well. It is like these mortgage companies do not want to discuss or fix this problem. I am at a loss as what to do next? Can you help? Many Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I contacted Equifax online to set up 90 day fraud alert. They asked for both my current and former addresses. When I called XXXX today to make sure it's in place, they told me that they used my former address as mailing address. I called Equifax to correct this error and was unable to get through their automated calling system to get it done. The new owners of my former address travel extensively and don't live there full time (their XXXX home). My fear is that I won't be able to get the follow-up letters on the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent Equifax a letter fro removal of dispute of XXXX inquiries made by XXXX. My claim number with equifax is # XXXX 
I sent them copy of the letter from XXXX that they are requesting Equifax to removal INQUIRIES. 
I also sent Equifax a letter requesting the same thing with copy of the letter from XXXX. But they still " inquiries are a matter of record of all companies that have accessed your credit file '' I will have the inquiries on my file. 
my ssn # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: Trojan Professional Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt buyer is reporting inaccurate information on my report. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report. This account was paid directly to the creditor. I 've asked XXXX to remove it & they claim I need to contact the debt buyer directly. I 've called them on the phone to remove & they said I owe it & I have to pay, but yet they 've never sent me anything ... .this is strict violation of the FDCPA & FCRA. I 'd like it removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian received my dispute which included a dispute for an unverified account ( US BANKRUPTCY COURT account number XXXX ) and multiple inquiries which I did not authorize. The company has failed to acknowledge my dispute for the inquiries to be removed as well as for the 3rd time has extended their dispute date for the public record which has now been pushed to XX/XX/XXXX. I am not sure why they are asking for " me '' to wait for them to verify information for an account they should have already verified. I am also not sure why I have to be punished for inquiries that I did not authorize. I am asking them to delete this public record immediately as well as the multiple inquires that I sent to them via certified mail on XX/XX/2017. This public record and these unauthorized inquiries are negatively affecting me and causing me a hardship when attempting to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
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:
As a Federally Protected Consumer Pursuant 15 USC 1601, I have made several attempts demanding that this company XXXX  XXXX DELETE ( and the other CRAs ) an account from XXXX  that I did not give consent to be furnished. I have asked them to verify the debt and XXXX response is that they have verified the account as mine. I have asked them to show proof of verification via penalty to perjury and they have yet to comply with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XXXX I found out through being Executor of my Mother 's estate that there were outstanding federal student loans in my Name that were in default. I made arrangements through the Estate Lawyer ( XXXX ) to make payments to the Debt Collector Transworld System. At the time of the agreement, I was told that if I made 10 consecutive payments I would exit the default rehabilitation program. It is now 15 payments with no word from either Transword of the Dept of Education as to exiting the Default program- with my hope to have a more favorable monthly payment. I have called Transword twice and was told that my account would be transferred to US Dept of Education no later than XX/XX/XXXX That has not happened and I just got another notice from Transworld of their intention to deduct another payment on XXXX/XXXX/XXXX. 
Recently, my company told me that my job is being outsourced by the end of XXXX, and I will not have the financial resources to pay what I am currently paying. 
So in the end, I need my account as stipulated at the beginning out of collections as I have more than satisfied the requirement of 10 months. As of this writing it is now 15 months. 
With the prospects of being unemployed I do need to engage the US DEPT OF EDUCATION to renegotiate the amount I can truly pay given the change in employment. 
XXXX Borrower # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital has a n item on my credit report that I just discovered today for  XXXX   XXXX . I have never had  XXXX , and I never received written notification that this item would be added on my credit report. I have asked for verification from this company, whose response was " they did n't have to provide anything. '' I have never had or signed any contract with either  Jefferson n or  XXXX , and this action is completely illegal and violates my FCRA rights completely. This action is causing disruption to my financial profile for creditors I am interested in doing business with by giving a false dichotomy of my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are three accounts and two inquiries on my credit report that do not belong to me I have not signed or used or know what these accounst are for I need them off my credit report since they are not mine!!!! 

XXXX XXXX XXXX - Account XXXX XXXX {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX Amt {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX - Account # XXXX Amt {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX Inquiry date : XXXX XXXX, XXXX XXXX-XXXX  Inquiry date : XX/XX/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 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I h ave 6 hard inqui rers which I do n't authorize. Please start investigation to find a way to delete the form my credit bureau.      1.    Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  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 2017-08-15
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My complaint is with coinbase.com. About 2.5 years ago opened an account and purchased some virtual currency. I did try to access my account for about two years, until X/XX/17. During that time Coinbase had added new security features for account access. ( 2 Factor authentication. ) I was unable to access my account. I corresponded with XXXX and Coinbase by e-mail ( there is no telephone support ) until X/X/17 before I was able to access my account. ( Over 60 e-mails! ) Once I was able able to do so, I purchase set a monthly purchase for additional virtual currency. Two days ago I attempted to access my account and, again, was unable to do so due to the 2F authentication. I have contacted Coinbase tech support through their web site, but have not yet been contacted. The first time I was somewhat patient ( perhaps more than I should have been ) since I had not accessed my account for two years. But now I am in the same situation after 5 weeks. I NEED access to my account! Coinbase needs 1 ) to provide phone support to resolve these issues in a more timely manner ; and, 2 ) needs to reevaluate their account security methods. Security is fine if it prevents unauthorized access. But it is pointless if it also prevents authorized access by the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: NC
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:
I sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.

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 2021-06-19
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I WAS MADE TO GIVE BLOOD AFTER I WAS ASSAULTED REPEATEDLY AND TOUCHED INAPPROPRIATELY. I WAS MISTREATED BY THE SECURITY GUARDS AND NOT GIVEN A CHANCE TO GIVE MY SIDE OF THE INCIDENT. THE DOCTOR BY THE POLICE STATION DID NOT RECORD ANY OF MY SYMPTOMS AND EVEN CALLED ME AN XXXX. THE OFFICER TOLD ME THAT I NEED TO GIVE MY SIGNATURE AND HE WOULD RELEASE ME. AFTER 3 YEARS I AM STILL BEING SENT A LARGE BILL THAT I REFUSE TO PAY AND WOULD RATHER SEE DISAPPEAR AFTER THE TIME REGULATION IS UP WHICH I BELIEVE TO BE 7 YEARS PER MY RESEARCH OF MEDICAL BILLS. I DO NOT WANT THIS ON MY CREDIT REPORT AND I BELIEVE THAT IT IS AN INJUSTICE THAT I HAD TO GO THROUGH THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I have disputing incorrect information that is reporting to the credit reporting agency 's. qvc is trying to collect a debt from me in the amount of {$380.00} which I paid this account off in full. This account was sold to XXXX who I also contacted to advise them that I do not owe this debt. I received a letter today from syncrony bank/qvc stating they have received my prior complaint to the fcra and advising me that they no longer have this account as it has been sold to XXXX and if I disagree I have 20 days to respond. I wrote a XXXX page letter back to them stating that I do not owe this money and should have never been sent to collection. I also requested to please correct there records and remove this incorrect information off my credit reports as it is causing a negative impact on my credit report and score. I see that a cc was sent to the fcra as well so I am responding as well to the fcra. I have been dealing with this for month 's now and am very upset that they are telling me it is reporting correctly. There records are wrong. I still to this day do not understand how they tell me I was to make my payments to the qcard and not directly to qvc. Well I made the payments directly to qvc. I put the account number on the card in my banking information and made the payments directly from my bank account to qvc. Then they go and sell this company over to XXXX? Now I am having an issue with XXXX as they want {$250.00}. I refuse to pay {$250.00} for something I do not owe.

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 2015-05-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had an account with XXXX XXXX XXXX ( XXXX ), a checking account ... I was to collect money to make payments to a lawyer ... A person that was suppose to deposit money to my account deposited a check for Approximately 4,000.00 dollars ... I was waiting for the check to clear, a day. The next day I checked my account to see if the check had cleared ... It had NOT cleared ... They said they were going to send the check back to the sender and they were going to place a bad comment on my CheckSystems account ... They then closed my account ... 
I have tried to open another account, but I ca n't because of their bad comment on the ChekSystems about me ... 
I did not do anything to deserve this bad comment ... It was not me who tried to defraud the XXXX ... It is their bad comment that has hurt me ... I am a XXXX Veteran and I need a way to do banking .... I am very careful with my banking and have never done anything to create a problem with an account .... This a very unfair practice of XXXX .... They should n't be able to hurt someone and not be accountable for it ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
My home and cell phone are on the Do Not Call list. I also submitted in writing a letter of Cease and Desist. I received a call this morning from XXXX from Receivable Solutions, XXXX stated that he saw that I was on the Do Not Call list as well as the letter of Cease and Desist yet called me anyway. This must stop.

Company response to consumer: Closed with explanation