BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
Company: Lincoln Educational Services Corporation
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Consumer Portfolio Services, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Here we go as the REVENUE GROUP # XXXX is violation of my Hippa Rights and NEVER PRODCUED any information with support this debt and need to help accountable. I requested the Assignment of Debt, Validation of Debt and Method of verification. 

How can they continue to report this negative information to CA 's with supporting information which is required by the Fair Credit Act and they are in violation of Fair Debt Collection Practice as well. 

Why should I have to wait until they try and collection information that should have had in the first place! If would have paid this account it would have not been a delay with accepting my money ... 

What good is the CFPB if they will not do anything about collection practices of the nature? 

It's been over 60 days I have been dealing with this account, please remove ASAP or find yourself in small claims court where you will be paying me, for violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
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: Account information incorrect

Complaint:
The Contract Related to this account has been canceled, NO CONTRACT, Please provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transferred to another lender please provide any agreement between the original creditor and new lender or collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am filing this complaint because I have tried several times to file a claim for fraudulent activity on my Wells Fargo accounts. Money has been transfered online from my Personal Line of Credit to my checking accounts in large amounts then withdrawn out of the ATM right after. None of this activity was me. There also were two payments onto the personal line of credit online that was not me also. This activity was from XX/XX/XXXX to XX/XX/XXXX My first claim was made in XX/XX/XXXX. My claims have been denied due to their reasoning stating that I authorized these transactions because it was in my account. These transactions are withdrawn in large amounts. There was no need for me to need over {$5000.00} in such a short amount of time. I do not have any other bank accounts and did not make any large purchases around this time. In XXXX of XXXX, I received a new debit card due to a lost wallet. I have continuously asked for the surveillance for these dates to be released because none of the activity with my personal line of credit was authorized by me. When I make a claim with personal line of credit claims they tell me to make a claim with the checking claims. When I make a claim with the checking claims they tell me to make a claim with the personal line of credit. I have been given the run around for months. Whoever is using my card at the ATM has all of my information and is making online transfers so they have my PIN also. They have all of my information. My credit card with Wells Fargo has been closed due to this activity and both of these closed accounts ( Credit Card and Personal Line of Credit ) have been closed late XXXX and appear on my credit statements! These dates and amounts are as follows for online transfers AND withdrawals : XXXX {$300.00} XXXX {$700.00} XXXX {$500.00} XXXX {$700.00} XXXX {$700.00} XXXX {$480.00} XXXX {$240.00} XXXX {$600.00} XXXX {$700.00} XXXX {$800.00} XXXX {$500.00} XXXX {$700.00}

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 explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have spoke to TransUnion about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to Transunion as well. The inquiries that need to be removed are the XXXX XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX inquiry from XXXX  on : XX/XX/XXXX XXXX inquiry from XXXX on XX/XX/XXXX XXXX inquiry from XXXX/XXXX on XX/XX/XXXX XXXX inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} EQUIFAX XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The issue has to do with my XXXX XXXX credit card. For the second time, the company charged me a {$2.00} interest charge despite me having a XXXX balance. I called to make a payment on XX/XX/XXXX and requested to pay the full amount owed so I could have a XXXX   balance. This month I got an alert that my statement was ready and that I owed {$2.00}. This is the second time this has happened. When I called the customer service line, the answering system informed me that, as a " courtesy, '' they were removing the {$2.00} charge. They know they're ripping people off with this {$2.00} charge. In fact, my wife was the one who warned me about the XXXX XXXX  credit card, telling me to always check my statement because the company likes to add on that {$2.00} charge in hopes that the customer won't call. When they did it the first time, she said all I have to do is question them on the charge and they'll remove it. And that's exactly what they did. How many XXXX XXXX  credit cardholders aren't calling, however. The CFPB needs to check them out and look into their records. I bet you'll find a lot of credit cardholders who haven't question that {$2.00} charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Lincoln Educational Services Corporation
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a  complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Merchant name : XXXX XXXX  # XXXX Claim amount : {$550.00} Transaction Date : XX/XX/XXXX To Whom It May Concern : Upon viewing my year-end card summary send by my credit card account I noted an unauthorized charge appearing to have occurred in XX/XX/XXXX. In speaking with my credit card/banking company, the claim was quickly closed as it was outside the dispute window of 60 days. However, I am pushing to contest for further investigation.

In my research of the Merchant I contacted XXXX XXXX XXXX to ask about the # XXXX site the number denotes site/store codes. The XXXX XXXX # XXXX site was only to be the location code of the XXXX WA XXXX XXXX XXXX  ( Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX - Phone : ( XXXX ) XXXX ).

I spoke with a representative from the site, who explained that monetary transactions from the site do not occur unless it is a matter of internal employee billing. Additionally, 1 ) I have never been an employee or employee of an XXXX XXXX  subsidiary company 2 ) I have not purchased an item from XXXX XXXX or a subsidiary company since XX/XX/XXXXand said purchase was a printer ink cartridge.

Moreover, in investigating this Merchant I found a number of similar claims online : The credit card or debit card charge XXXX XXXX # XXXX XXXX WA was first spotted on XX/XX/XXXX. This charge has been reported as trusted by 31 users, 31 users marked the credit card charge as suspicious. ( XXXX XXXX XXXX ) Looked at my VISA acct & reported suspicious charge from XXXX XXXX  # XXXX. If you look at XXXX XXXX  website there is no such store. Closed my visa acct. XX/XX/XXXX ( XXXX XXXX XXXX  ) The amount of {$250.00} was charged to my credit card twice on XX/XX/XXXX, a total of {$500.00}. I live in Alabama, and I did not make any purchases in XXXX, Washington. ( XXXX XXXX XXXX  ) This was undoubtedly an unauthorized and fraudulent charge on my account. Therefore, I am reaching out once more for a higher level of examination and support in resolving this case. Thank you for your time and consideration.

Thank you.

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 monetary relief
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: PA
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 asked Equifax and XXXX to remove this account from my report, as it was result of ID theft. I have asked the bureaus previously but it still reporting until now and affecting my scores and files tremendously. I need help to get this item removed from my file. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: JPMORGAN CHASE & CO.
State: TX
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:
I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX   told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I leased a property from XXXXXXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I provided 30 day notice that I intended to vacate the property. I vacated the property on XX/XX/XXXX as agreed to by the management company. I competed a final walk through with the managements representative XXXX XXXX. I arranged for utilities to be disconnected and returned the keys. The property owner and the management company disagreed on who was able to give permission for the family room & dining room to be painted ( management said it was fine, owner didn't like the color ). XXXX XXXX and I agreed that my security deposit would be retained to have the rooms repainted. At no time were rent aarrears or a trash fee discussed. I paid as agreed each month. I was never late, I was never served with an eviction notice, no judgement was ever filled, I was never served with a notice of an outstanding balance. I have written numerous letters to the management company, credit reporting agencies, and the collection company that this debt is not accurate. I have requested all records pertaining to this property including payments, notices, maintenance request and no documents have been produced. In one response Professional Debt Mediation stated " Accordingly, we discontinued using any means or device to collect this delinquent account ''. Yet, they still falsely report this inaccurate information. This derogatory account has prevented me from obtaining employment, credit cards, car loans, and I have been advised I am unable to secure a new rental property. Please, help me get this removed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions Inc.
State: MA
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:
Hello, and how are you? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies and incomplete information on my credit report from the 3 major credit bureaus from the student loan XXXX. This account cant possibly have been verified because the status update date has not changed, and there are 3 different open dates reported, and 3 different dates of last activity dates reported. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 2018-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The Contract Related to this account has been canceled, NO CONTRACT, Please provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transferred to another lender please provide any agreement between the original creditor and new lender or collection company

Company response to consumer: Closed with explanation