BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: U.S. Equity Advantage Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This is ridiculous and inhumane! 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 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 2021-09-02
Company: FC HoldCo LLC
State: PA
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:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from XXXX XXXX XXXX on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. XXXX  XXXX XXXX violated federal law. see 15 USC 1681b A2. I did not give XXXX  XXXX XXXX Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

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 2020-08-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for this card through the Citi website specifically because the site showed they would waive the {$99.00} membership fee the first year. The fee showed up on the first statement at which point I tried to resolve it with them via app chat, phone calls and social media. I was told the offer was not available at the time and to provide proof that was the offer when I applied. I sent them screenshots of their own website which showed the offer to waive the membership fee for the first year. They claimed that the website had changed since I applied and offered no proof of that claim. This has been the standard offer they advertise on their site for as long as I looked into getting the card and is still there. It took me many hours and phone calls to try to resolve this. I incurred a late fee while trying to resolve this with them. They refused to waive either the membership fee - which is what they advertise on their site and which is what I applied for - or the late fee and I was forced to close the 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 monetary relief
Consumer complaint received 2017-08-02
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Statute of limitations has exceed on this debt. Collection agency has damaged my credit report. I am no longer liable for the debt or collection attempts. Company harasses me regarding this debt. This debt should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: SECURITY CREDIT SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This is ridiculous and inhumane! 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 2018-02-17
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:
I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, Transunion and XXXX is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.

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 2021-02-08
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I contacted AES about the cares act temporary forbearance of payments. My loan is a federal loan that was apparently sold to a private servicer. I was told they are exempt from having to comply with the CARES act. I attended XXXX University and have huge student debt. Because of it. I dont understand how a loan private servicer who is handling a federal loan can refuse to comply with CARES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: OH
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 was effected b the XX/XX/XXXXEquifax data breech, and Im still suffering because of Equifax! I have written, called, emailed and filed countless disputes, yet a lot of their information on my report is incorrect. They also allow medical bills and I believe that they are not supposed to do that especially when the account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great XXXX  and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my 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 2018-07-05
Company: East Coast Funding Group
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
someone I had known opened a loan in my name .. ive been contacting XXXX XXXX also known as east coast funding along with XXXX , for years about this account .. they had first put it on as east coast funding and removal date was XX/XX/XXXX then they changed their name to XXXX XXXX XXXX removed as east coast funding judgement then they changed there name at some put and changed the removal date to XX/XX/XXXX which I believe is fraud ... they then gave to another company XXXXXXXX XXXX XXXX.. which I went to court on XX/XX/XXXX and XXXX XXXXt judge vacated order and, judgement XXXX will not honor neither would XXXX XXXX ( rep XXXX ) .. I have been disputing this item for years along with notarized letter from the account holder.. please help me get rid of this account that is not mine I have good credit and its holding my credit back from being great .. thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I checked my credit report and came across a delinquent credit card. I opened the credit card with the original creditor XXXX XXXX back in XXXX. I hadn't used it past XX/XX/XXXX /XX/XX/XXXX as I lost my job and started to short sell my house in that timeframe as well. This account eventually was charged off and purchased by Calvary Portforlio Services XX/XX/XXXX. I disputed with them in XX/XX/XXXX stating that it shouldn't be reporting due to the age of the account. Their response was that it was reporting accurately and will remain on my credit report for another 3 years. So does that mean that everytime 7 yrs approaches that I will owe it continuously. I have attempted to try to get this fixed by a couple of attorney offices to no avail. In XX/XX/XXXX I applied for a car loan with my credit union and was declined due to this reporting on all 3 of the credit bureaus. I purchased a vehicle XX/XX/XXXX at a APR of 11.9 % which was not the APR that I was hoping for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased an American Express gift card in the amount of {$340.00} ( I paid {$340.00} total including the fee ) at the XXXX store in XXXX XXXX, CA, on XX/XX/XXXX. Then somebody fraudulently used my card ( even though the physical card had always been with me in my wallet ) in the city of XXXX, CA, at XXXX. The purchase amount was {$320.00}, it was made on XX/XX/XXXX, at XXXX XXXX. Pacific time. 
Transaction reference # is XXXX The store transaction number is XXXX I contacted both the Merchant and the card issuer. The merchant was NOT willing to help me at all. American Express representatives kept sending me back to the merchant. So it was a vicious circle for me. Amex rep gave a me a transaction reference #, and suspended my card with the remaining balance of {$16.00} I talked to AMEX representative named XXXX, his ID # is XXXX a few times on XX/XX/XXXX. And once again, he confirmed that American Express can not initiate a dispute with a merchant on my behalf, since a gift card was involved. 
So as a consumer I do not feel protected at all. I paid my money, American express received it, the merchant did, but it was NOT me who received a service or product. I just paid for some fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: WI
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 do not know recognize these inquiries

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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 do not know recognize these inquiries

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 2020-01-28
Company: Convergent Resources, Inc.
State: TX
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:
I am having a problem with a collection agency by name of Convergent Outsourcing which is reporting information on my credit reports that I do not recognize and which I have disputed prior in numerous attempts to get the debt validated. The company has responded numerous times that they have complied under FCRA compliance but has not ever sent documentation to me in a hard copy format that would explain the debt as my own. It is my belief that I am either being confused with someone else or else that an unauthorized usage has occurred. 

Numerous complaints have gone unanswered from my end and the bureaus insist that the collection agency has complied with the law but offer no proof other than the statement. I am asking this agency for assistance in the matter.

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 2019-04-30
Company: Experian Information Solutions Inc.
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:
XXXX  did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of 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 2021-02-08
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Adjusters has no contract signed between myself and there company they have placed XXXX on my credit and have no proof I opened a account and signed with the company. Please provide the signed contract with my signature to validate this debt. If you do not have a signed contract with myself and National Credit Adjusters then remove from ALL 3 credit bureaus immediately. This is in Violation of my rights and FCRA act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Tried to contact Macys in reference to an account open under my name without my permission or knowledge, already send documents over a month ago and they ignored my correspondence and Refused to delete info of my credit file.

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 2018-07-05
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had various loans dating back to before Navient broke off from Sallie Mae. I currently have several loans from Navient that are private, and one that is federal. The private student loans are in excess of 13 % interest, and because I was unable to make some payments when down on my luck, I ruined my credit and can not get a refinance loan. I was approved for a federal income based repayment plan, which equates to about XXXX  dollars a month. However, the private school loan payments are in excess of XXXX dollars a month, putting my payments at XXXX dollars monthly. I have discussed with Navient multiple times that I can not afford to pay this amount and need it lowered, and was responded to every time with the only way is to do forbearance or go back to school. I went back to school as it was the only way to defer. I am currently back in repayment, while still enrolled in school and I know I still have two years left of in school deferment. I have called and tried, and still no one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: ALL WESTERN MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Through a mortgage broker, XXXX XXXX, I submitted a loan application for the refinance of a duplex investment property to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX. HQ : XXXX XXXX. The loan officer at All Western who quoted the loan rate was XXXX XXXX XXXX, XXXX. On XX/XX/2018 XXXX XXXX XXXX 's assistant sent me many documents to sign electronically, one of which included the Loan Estimate ( 3pgs ) and my application for the loan. The loan rate was 4.75 % for a 30yr fixed. This was the same terms that my mortgage broker XXXX XXXX had sent me prior to me agreeing to apply for the loan. He got that quote from XXXX. XXXX. I had been asking for a rate lock from XXXX and XXXX XXXX XXXX and his assistant for 4 days and hadn't gotten a response. 

Today ( XX/XX/18 ) I finally got a return call from XXXX. XXXX and he told me that he had made a mistake on the rate and that the 4.75 % " does not exist. '' I asked why that rate was offered to me in all the documents they sent me for signature yesterday and he said he didn't realize that the loan was not a primary residence. I asked why ALL the documents he sent me for signature indicated it was an investment property, if he thought it was residential. He said he didn't know. He then offered me loan options which included higher rates, longer terms, interest only or a combination of those. I asked him if he had an obligation to honor what he had offered me and I accepted and he said that my rate was floating. I explained that, # 1 I had asked to lock the rate for 4 days and # 2 this change was not as a result of the rate floating up/down ; it was a completely new rate with new terms. He just repeated that " it doesn't exist '' for an investment property. 

Please see copy of 2 relevant pages of the loan application that reflects the loan was for an investment property and a copy of the loan estimate paperwork sent to me with a loan rate of 4.75 %, 30yr fixed.

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