BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: FEDChex Recovery, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled a home improvement contract with XXXX XXXX in writing before they began work on my property. The contract was signed on XX/XX/XXXX. I wrote to cancel on XX/XX/XXXX and after receiving no response, again on XX/XX/XXXX. I stated in the terms of cancellation notice that they could keep the {$1000.00} deposit I paid, but that I no longer wanted to proceed with the project. They called me over the phone and said that I owed them more than {$10000.00} for cancelling the contract. Later, on XX/XX/XXXX, I was contacted by mail by FCR Services requesting {$10000.00} on behalf of XXXX XXXX. I responded to FCR services by mail on XX/XX/XXXX to dispute the debt. I told them that because XXXX XXXX never attempted to collect this debt via mail and never sent me an invoice that this debt was not valid. They never responded to my letter, but now, on XX/XX/XXXX, I received multiple voice mails from different people at FCR services attempting once again to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Avant Holding Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX and XXXX have repeatedly, several times per day and prior to XXXX tried to call me regarding a fraudulent debt. This debt has previously been taken to court and the case dropped due to complaints about it being fraudulent. XXXX and XXXX purchased this debt and are now constantly calling me from various numbers. Answering the call, there is no response on the other end. 

From XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FROM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX PM XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FROM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also numerous calls by robo callers with XXXX XXXX codes that are more likely than not associated with this company. 

Attempts to have them cease calling and contact has not been fruitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Received notice of default after buying home XXXX. Paid {$3400.00} plus 1 monthly payment of {$160.00} XXXX XXXX Interest rate 8.75 % after pre-modification XXXX balloon payment {$20000.00} after paying {$150.00} for 480 months.

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 2023-02-20
Company: EQUIFAX, INC.
State: FL
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct the following inaccurate information that is hurting my credit. 
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  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX OR XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$3200.00}

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 2023-04-14
Company: EQUIFAX, 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:
I am the victim of identity theft. I already filed all the paperwork with the credit bureaus, as well as the creditors. I included my identification, my ID theft report from law enforcement and a letter describing the crime. My information was exposed in the Equifax data breach and I believe this is how they got my data. I have submitted this information several times but there are several accounts that are still reporting inaccurately on my reports. especially XXXX. They have sent me back a bunch of bogus letters stating that I didn't send my IDs ( I did ) or that I didn't write the letters myself ( I did ). They are playing around with me and they have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
US Dept of Ed Borrower Defense Dept. has finally been held accountable for their actions. The judge issued their final decision and the email attached will express that decision. I highlighted the area that they need to pay close attention to. I called Borrower Defense this XXXX in reference to this email sent on XX/XX/XXXX, to remind them they need to make FedLoan Servicing aware that this is now ordered per the court to be removed from my credit. It does not matter that the servicing contract was canceled. They show this on my credit report still and as of XX/XX/XXXX when I ran my credit. It's now time to do their part. Borrower Defense said that they would notate my account. I don't trust them because when I filed my Borrower Defense app in XXXX, they ignored it, sat on it, did nothing and lied to me every time I called. Hence the need for the law suit. Well Sweet vs Cardona was settled in favor of the Plaintiff and it's time to start doing what the judge said! No more stone walling, it's over! Let 's clear the slate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX {$520.00} Inquiries 1. XXXX XXXXXXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX 4 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 2023-01-19
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: Information belongs to someone else

Complaint:
XXXX, XXXX and Experian has countless times allowed creditors to illegally add items to my credit report without verifying or validating this information, the following account from XXXX. XXXX XXXX Ive sent several certified letters demanding them validate any account they claim belongs to me and each time i have demanded this information this company has ignored my request but still was allowed to post this inaccurate information to each of my credit reports.

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 2023-02-28
Company: AmerAssist A/R Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
several inaccuracies in my credit report. Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have a right to dispute and correct any inaccuracies in my credit report. 

After reviewing my credit report, I have noticed several errors that are negatively impacting my credit score and overall financial standing. Specifically, [ provide details of the inaccuracies here, such as incorrect personal information, outdated or inaccurate account information, or fraudulent activity ]. 

I have attempted to rectify these inaccuracies with the credit reporting agencies directly, but have not seen any resolution or improvements. As a result, I am seeking your assistance in resolving these issues and ensuring that my credit report is accurate and up-to-date. 

I respectfully request that you investigate these inaccuracies and take appropriate action to correct my credit report in accordance with the FCRA. I appreciate your attention to this matter and look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. I received a letter listing items that are supposedly owed to another company. I then mailed a second verification letter, ( signed and received on XX/XX/XXXX ), asking them to prove to me : 1. How this is proven to be mine? and 2. How do i owe Americollect? I received a second letter from them stating my request was " frivolous and irrelevant. '' I have given well over the original 30 days to respond with validation of their claims with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Genesis Financial & Payment Systems Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
USA Web Cash submitted an unauthorized ACH for additionally fee from my account. The initial loan was {$1800.00} the final payoff was closer to {$3500.00}. Due to a prior request to move a payment, there were additional fee incurred on the account. 

I spoke with XXXX from USA Web Cash and advised that I was unemployed. I stated that I would contact USA Web Cash to schedule the final balance / payoff. XXXX submitted an unauthorized ACH to my account. Additionally, I was advised by XXXX that USA Web Cash agreement stated that they can arbitrarily deduct this amount from bank account without my permission. 

After filing a complaint with the Illinois Attorney General, I was contacted my XXXX ( USA Web Cash ). He offered to pay the fee back {$80.00} and/or to give me another " low interest loan '' to " help me out ''. Again he stated that USA Web Cash has the right to make an unauthorized ACH from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated college in 2010, 8 years ago with a total debt of XXXX. Now the current principal balance is XXXX? It has been 8 years and I havent even touched the principal on my private student loans with Navient. Also the only federal debt that I have paid off over those years is a grand total of XXXX . I feel as though I have been misled, and convinced to go into certain payment options that did not benefit me any way. There had to have been a misallocation of the money I was shelling out to them over the years. I also have tried multiple times to get them to work with me on repayment options, Income based repayment etc. and have been denied. I have a daughter, wife and home to support and they will just not bend for me. Then it wasnt until today where I did some digging only to come to realize that 3 our of 4 of my private student loans had not only not been paid down, but I owe more money on them now. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle balance is XXXX , XXXX $ added. 

So over the course of 8 years not only were my loans not paid down, I actually owe more now. Do note, during these past 8 years I have been paying them through automatic debit and online. I feel as though I have been treading water for 8 years instead of making any headway on the 9 loans I have with them. I feel as though this company is misleading and of no help to the students that they bound up for life. Pretty unethical if you ask me, if you can help in anyway I would appreciate it. Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: OK
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, 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 an 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 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 2021-04-15
Company: EQUIFAX, INC.
State: AZ
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:
In XX/XX/2021 I contacted XXXX, XXXX & Equifax notifying them the addresses they have on record are outdated & incorrect. I sent them personal identifying information and proof of address, as well I mailed the letters from my current address. I have recently pulled my credit report again, and the incorrect addresses are still listed on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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  Accounts : XXXXXXXX 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 rights to privacy.

15 U.S.C 1681 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 explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Credit Card company increased my Credit Line without my knowledge. They sent a message after the fact which also stated that I could have my limit returned to the original if I called the company. When I called, I was informed that reducing my credit limit would adversely affect my credit score. I was placed on hold for 17 minutes before I hung up and called back and spoke to " XXXX in XXXX ''. She informed me that there is a clause in my agreement that allows them to increase my credit limit. It is a feature that I could turn off ; which I did. However, I did not reduce my limit to avoid the penalty to my credit score.I was then turned over to a supervisor who quoted the policy a number of times. 

I simply would have liked a notification prior to the increase so I could make a decision about my own finances. This is a form of fraud to me because they increase their value through our fractional lending system without actually having the money to back up what could negatively affect my credit. According to my financial adviser, I need at least two credit cards to increase my credit score. This increase can have negative consequences in my getting approved for that second card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: CITIBANK, N.A.
State: CA
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:
account is closed but i can't get any information on how to transfer the remaining balance.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ' XXXX XXXX XXXX ' I XXXX XXXX ' XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX ' XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ' XXXX XXXX XXXX  XXXX XXXX, CA XXXX ' XXXX XXXX XXXXXXXX XXXX CA XXXX ' XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX ' XXXX XXXX XXXX XXXXXX/XX/XXXX ' XXXX XXXXL XX/XX/XXXX ' XXXX XXXX XXXXXX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXXXX/XX/XXXX ' XXXX XX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX  Inquired on XX/XX/XXXX ' XXXX XXXX XXXX  Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX  Inquired on XX/XX/XXXX ' XXXX XXXXXXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX  XXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ' US BKPT CT CA XXXX XXXX Date filed XX/XX/XXXX ' XXXX XXXX  bankruptcy XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : U.S. Bankruptcy Court

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 2021-04-15
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:
I pulled a copy of my credit report and noticed fraudulent accounts. it is stopping me from obtaining 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