BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ]. and XXXX # XXXX, which you claim, I owe [ {$440.00} or my account was charged off $ XXXX is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Performance Settlement, LLC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was contacted by a representative from Performance XXXX in XX/XX/XXXX regarding consolidating my student loans. During this conversation, I was under the impression that the XXXX/month payment for the 36 months was going toward my student payments. It was not until I received a packet of information for XXXX that I discovered that was not the case. During the initial phone conversation with the Customer Service Representative I reiterated the XXXX/ month payment would go towards the student loan balance. Throughout the conversation the Representative told me yes that it would be going towards my balance. I then reached out to Performance XXXX after speaking with XXXX. I asked to have my contract terminated with them. I was told by the Supervisor XXXX that I was not allowed to terminate my contract until he reviewed the phone conversation. I called the next day to touch base with him regarding the situation, and was told he was in a meeting, and he would call back before the end of the day. I never heard from him until I called today ( XX/XX/2017 ). Through our conversation today, he explained the process once again, and we both agreed that there was miscommunication on both ends. He also stated that he did n't want to loose my business, as I was considered a valued customer. I told him that I would go over everything that we spoke about, and that I would be contacting XXXX again, and that I would call back and talk to him later today. I called him back today and explained that I still wanted out of my contract because XXXX has more options that meet my needs. At this time he is still forcing me to pay the XXXX, and will not terminate my contract. At this time, all I want is to have my contract terminated with Performance XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: AR
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:
After two courts in Arkansas closed the lawsuit brought against me by XXXX XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done  and the fallacious claim against me is still in my files. 
Please note that there is an item for collection from XXXX XXXX for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed. 
XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX by the XXXX County Circuit Court ( XXXX XXXX, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX may have against me. The case has been adjudicated and closed by the XXXX County ( Arkansas ) Circuit Court, ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, XXXX District in XXXX ( XXXX XXXX XXXX XXXX, XXXX. vs. XXXX XXXX, XXXX ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX, XXXX.XXXX./XXXX XXXX and the XXXX, XXXX XXXX  alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.

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 2023-02-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed out a payment of XXXX on XX/XX/XXXX, on XX/XX/XXXX I noticed that payment had still not gone through so made min payment XXXX which was due ( knowing that the check had been mailed XXXX prior. I called company and they reported they were having issues with people mailing in payments and were going to start an investigation. On XX/XX/XXXX they charged me XXXX in interest and then finally put my payment through in next payment period and posted the check on XX/XX/XXXX. I called and spoke with them and said they were only allowed to issue me a {$10.00} credit for my troubles. The new interest that I accumulated was {$26.00} after payment along with the accumulated interest of XXXX. Why are they allowed to hold a check to gain interest for a month. I was informed that when my investigation started the rep I spoke with had already started XXXX others on that day, for same reason. I can't XXXX how many people are paying extra interest and fees due to checks not being processed accordingly. I was then told that this is why everything should be done electronically, which I had a " bank check '' and could not do electronically. I do not feel I should owe them a month of interest. I mailed out XXXX other checks that same day and all were processed from the other companies withing XXXX days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On Friday, XX/XX/2017 I just received in the U.S. mail my annual " FREE '' copy of my " XXXX '' per my Due Process rights under the " Federal Fair Credit Act. '' Under the " Collection Agency Information '' there is a false collection debt entry by a " ERC ; XXXX, Florida ; XXXX ; ( XXXX ) XXXX. '' It also falsely noted : " Collection Reported XXXX '' for " XXXX '' for " $ XXXX. '' NOTE : This is the 3rd time that this " ERC '' collection agency has unlawfully noted this false debt collection onto my " XXXX '' without ever having contacted me in the last 2 years. I called them up on their toll free number ( XXXX ) XXXX and politely explained the facts. Their only telephonic response was " Pay the XXXX the {$760.00}, XXXX and we 'll delete it off your XXXX credit file. '' I explained to them again that I 've had " XXXX '' for over XXXX consecutive years and NEVER XXXX That this debt is NOT mine and that I 'm a victim of Identity Theft. '' They then just rudely hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 non-monetary relief
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In response to my dispute of XXXX XXXX XXXX Equifax replied : XXXX ; We have researched the credit account. Account # XXXX The results are : This account has been updated to show included in bankruptcy/included in bankruptcy of another person. If you have additional questions about this item please contact :, Unverifiable, XXXX, MN XXXX Number one, this account was not verified by equifax for my wife for the same account and deleted. 
Number two. This account was dismissed by the court. 

Number three is seems like equifax could not even verify the name of the business. 

This same exact debt could not be verified and deleted from my wife 's account, and exquifax deleted it, so how can this same debt be verified?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Bank has put a XXXX hold and frozen account without explanation. No one is able to explain on a call what happened. Spent over XXXX hours chasing this. numerous disconnections, and transfers between dept A to B to C etc. Very frustrating. No other way to contact the bank and resolve this issue. As a result, the account is frozen. Unable to make payments, receive deposits etc. Causing a major life disruption. Bank is completely unresponsive and does not provide a way to reach them at all. Deliberately disconnects and transfers to random departments w/o rhyme or reason.

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 2022-03-06
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Barclays Bank refuses to close my credit card account. They also refuse to admit that it remains open. When I call, they insist that it has been closed since XXXX, XXXX. In XXXX, XXXX, they applied fraudulent transactions to my account. Over 9 phone calls and 2 months, Barclays staff consistently admitted that I was not liable for the charges and repeatedly made false promises that the charges would be removed. At one point, they even duplicated the false charges. After ten phone calls, they finally removed the false charges and returned my money to me. Barclays representatives also assured me that the account was closed. On two occasions, I even made calls specifically to verify that the account was closed, including on XX/XX/XXXX, and on XX/XX/XXXX. I made these calls separately from my calls about the false charges, and I documented them as separate calls just for verifying the closure. Barclays staff insisted on both occasions that the account had already been closed, and that I would receive a final statement no more than 90 days after its closure. On the second occasion, I asked to receive a paper statement acknowledging the closure of the account, and was told that one should have been sent to me, and that I am not allowed to have another one. I asked for an e-mail confirming that my account was closed, and this request was also denied. Today, XX/XX/XXXX, Barclays has issued me a bill for an account renewal fee of {$99.00}. 

I am attaching the following evidence : ( 1 ) an annual statement that shows no charges were made on my account by me after XX/XX/XXXX, ( 2 ) Statements from XX/XX/XXXX and XX/XX/XXXX showing an account balance of XXXX dollars, with the exception of the annual fee, ( 3 ) a screenshot of my account, showing the annual fee and new balance of {$99.00}, ( 4 ) a letter I wrote to CEO XXXX XXXX of XXXX XXXX dated XX/XX/XXXX, in which I asked Mr. XXXX to end his company 's business relationship with Barclays. This letter details, with contemporaneous notes, the misconduct of Barclays, and states that I am still waiting on the closure of my account.

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 2022-11-16
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity Credit Card ( XXXX Rewards ) MISLED ME, abused me, and put me through financial hardship by neglecting full dusclosure! On XXXX I reached out to the credit card about being defrauded XXXX $ from XXXX XXXX. Since day XXXX, I have told them about what happened. THEY NEGLECTED to tell me a THING about my account being blocked AFTER they got the defrauded {$980.00} back! 

I have ben transparent with this unethical company about the fraud, my police reports, my need in the middle of a move for the funds. I begged them for helped but they mostly ignored my pleas with their MISLEADING generic message that I had nothing to worry because they would not report my account while the fraud was looked into. 

THESE NEGLIGENT REPRESENTATIVES NOT ONCE told me I needed to make payments on the stolen funds so they wouldn't PUNISH ME by blocking me access to my defrauded money they got back. 

I sent them letters, evidence, police reports. THESE IMMORAL REPRESENTATIVES misled me, even as I stressed the problem. NOT ONCE WAS I INFORMED that my account was considered past due, that they would punish ME for the problem, and that even if I made a payment today, they ABUSIVE COMPANY is punishing ME for being victim of fraud! 

THEY IGNORED ME, MY PLEADS, and simply sought to benefit from a thrid-party fraud with MISCOMMUNICATION and NEGLIGENCE. 

I DID NOTHING WRONG. I was not informed ONCE about " being past due '' in NONE of the communications ; they simply said I wouldnt be reported to credit reports. 

THIS IS DIGUSTING! ESPECIALLY BECAUSE SINCE DAY XXXX I BEGGED THEM FOR HELP, and they neglected to be fully honest. Now, this unethical company LIES that this can not be overwritten : Systems dont make themselves up! 

They have provided NO HELP, they punished ME for being victim of fraud, and they DID NOT NOTIFY ME ONCE about what was happening. I wrote to them at least twice a week with evidence and asking questions. THEY NEGLECTED TO INFORM ME of this! 

I am in a dire situation, they knew about it, and now are defrauding me of my defrauded funds! I DID NOTHING WRONG! THEY DID NOT INFORM ME, they are negligent and I demand access to the money! They did not inform me that they would do this!!! 

I should have access to the funds! If they considered the refund of the defrauded funds they should count that as payment and allow me access to the funds. THIS IS DISGUSTING and they chose to neglect me and further abuse me!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was contacted by PHEAA in regards to a wage garnishment placed on my paycheck due to outstanding debt XX/XX/2019. They said they were representing AES and the US department of Education in regards to my student loans and that to resolve " all '' of my student loan debt and it was all, I asked several times, I would need to complete an aggressive repayment plan which I completed. Before completion, I was informed by a different agency that all of my student loan debt wasn't included. I am now working with XXXX and XXXX to settle the debt I thought was already settled. I can pay the full rehabilitation needed to be paid in full to rectify credit standings with XXXX and XXXX. 
I was approved for a construction loan until this debt ( that I had aggressively paid on time through rehabilitation ) was flagged on a report. I am not saying I don't owe the debt. My issue is if I am told all my federal student loan debt was included by an acting representative of the US Dept of Education only to find out it is not, is fraudulent and very misleading. I have asked for guidance with this and have been sent to the various subsidiaries of US Dept of Education super conglomerate only becoming more confused. 
I am now paying 11 percent interest on a loan because I was unable to get a construction to mortgage loan, because I trusted the word of PHEAA and AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation