BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Comapny is claiming to have filed a court case in the XXXX XXXX XXXX XXXX County State of Georgia and sent false document wIth civil action number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I recieved a letter from Sequium Assests Solutuions About and alleged dedt of {$42.00} from XXXX XXXX. I Immediately I responded and requested that send any and all information on this alleged debt disputing the debt and sent the letter with a return receipt from the postal service on the same day XX/XX/2020 To sequim disputing the alleged debt, requesting all and any information proof of the alleged debt, the creditor, proof that they are licensed to collect debts in our state etc. At that point it is illegal for them to put a derogatory report on my credit because responed within 30 days and I have never heard of this debt and they did not give me any information etc. I have attached the requested letter that I sent to them. I also contacted them and was hung up on twice. I file a dispute with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello Awa collections is trying to collect a debt that is not mine and this is not the first time this happens. 

I called the company and they told me that this is for a auto insurance policy. I don't have a car let alone a driver 's license. I have never engaged in business with this company and I have no knowledge of any insurance nor have I ever had one. 

This is affecting my ability to purchase a home I just recently move to the united states of america from abroad and have no business with insurances or collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: CL Holdings LLC
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 status incorrect

Complaint:
This has been taken off all credit reports except XXXX. The company keeps reporting when this was under fraudulent. Would like this to stop and be taken off my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
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 is erroneously reporting my address as XXXX XXXX XXXX XXXX. It is XXXX XXXX XXXX XXXX. 

XXXX XXXXr is NOT my account XXXX XXXX is an open account ( not closed as being reported in their files ).

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 2018-07-15
Company: Social Finance, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
bait and switch company. They presented me with a 4.75 % rate when I pre-qualified. Then once I hard checked and my credit score went down ( meaning its harder to get a better rate from a competitor ) they then raised their rate. They said for mine it was because they couldn't verify all of my income ( $ XXXX ), which was a lie because I showed my offer letter, vesting schedule for stocks, planned ( guaranteed bonus ' ), stock XXXX XXXX account, pay stubs, and had employed for more than a year. 

HOWEVER, the illegal part was that when I went in and created a new application, with the lower $ XXXX income, I received a lower APR than they offered me on my hard checked application ( greater than .8 % difference ). The know that they are bringing people in at a lower than realistic rate, then increasing the rate once they hard check because they've impacted their credit negatively after. 

Put in a formal request from SoFi and ask how many of the original rates are honored for individuals and what percent are increased. You'll find out how they are bait and switching hard working students with student loan debt. HORRIBLE COMPANY.

Check the screen shots. I adjusted the income from XXXX to XXXX on my new application, and received a lower rate than they offered me after the hard check. It's a ploy to get more people to do the hard credit check and commit. After that, they raise the rate! 

I checked on XXXX and it looks like MANY OTHER PEOPLE have the same issue with the company. this means its a deceptive trade practice! 

https : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon reviewing my credit report after receiving an alert. PORTFOLIO RECOVERY placed three ( 3 ) collection accounts on my credit report. PORTFOLIO RECOVERY violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute or request validation. I NEVER received any communication regarding this alleged debt. Not only did PORTFOLIO RECOVERY violated my rights, PORTFOLIO RECOVERY also violated 15 USC 1692e by reporting illegal debt that is not within the of the Statue of Limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BSI Financial Holdings, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage from my local bank in XXXX of XXXX. I had 20 % down and chose NOT to have taxes or insurance escrowed. I have the " waiver of escrow '' paper from my closing documents. Around XXXX of XXXX my local bank sold the loan to BSI Financial. On XXXX XXXX of XXXX I received an " annual escrow account statement '' showing that BSI had paid the taxes on the property for XXXX and were increasing my mortgage payment to cover the, now short, escrow account. I have called multiply times to try and resolve the issue. I asked for a written statement of why BSI paid the tax bill and for them to send me a bill so I can pay them back. I did not want an escrow account and I feel like it could be some kind of scam that they went out and paid a bill not due to them and are now trying to get me to reimburse them. I told the representative that I will continue to pay the monthly payment I had agreed to on my mortgage contract. She stated that the difference will be " past due '' and I will be in default and at risk of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I placed on XXXX for three sweat pants which I expected to purchase. The order was paid for with my XXXX credit card. On the XX/XX/XXXX, the order was partially delivered which means one of the three sweat pants was delivered. However, according to XXXX website all three sweat pants were delivered and despite various tries to reach a positive resolution I feel that XXXX is giving me the run around. From my perspective as their customer I expect the product which I order to be delivered completely or for a refund for the charges as it pertains to such order. However, that has not been the case since after having e-mailed them several times I am yet to receive the product or to reach a positive resolution.Instead, I was told about an investigation which will take around sixty days while hanging on to the funds which i paid for the product. further, there has been several charges in the sum of {$1.00} for several statements for subscription that I didn't signed for.

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 2021-04-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Account is being targeted in multiple ways. 
Double interest charges on account! 
Denial of credit for disputed charges of non service/merchandise! 
Reduction in credit limit! 
Denial of COVID related assistance on account. 

Since changing cards ( switched credit cards within company to reduce annual fee ), credit card company continues to intentionally discriminate, apply unethical and dishonest business practice to account. All to intentionally squeeze more money out of account. 

XX/XX/XXXX no communication, credit limit decreased on good standing account XX/XX/XXXX charge for services cancelled XX/XX/XXXX double charges of interest in billing cycle

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 2018-07-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a new account with Fifth Third last year. I started depositing checks to my new Express account before I opened a Money Market. I am a smart person and understood the process, perfectly. I never once slid the bar across the app to choose " i need immediate funds '' because there was no need for immediate funds. This bank charged me three times for a total of XXXX dollars, XXXX dollars each, and this is not right. I did not chose this and have saved videos on my phone to prove it. 

I have tried to contact the bank but they don't reply except for a form letter. I am a XXXX  person on a limited income but that doesn't affect my brain. I know what I did and what I didn't do. I am very highly technical and did not make a mistake. 

This is a glitch in their system and they refuse to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-14
Company: Experian Information Solutions Inc.
State: MI
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 was exercising my right of the Fair Credit Reporting Act, by disputing inaccurate information on my credit report by mail. Experian sent me a letter that my dispute was suspicious, and none of my dispute will be processed now or in the future and to call in my dispute or complete it online. I do not want to call or dispute online. It is my right to dispute my mail.

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 2021-11-27
Company: Paypal Holdings, Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX {$3000.00} was held in my account, and Venmo sent a email stating that funds would be released after XXXX  days. 


XX/XX/XXXX Venmo emailed me about my funds. I was directed to add a bank and transfer funds. 

After numerous attempts I still can not transfer my funds from Venmo, and representatives fail to answer calls or emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: Ability Recovery Services, LLC
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was a full-time student at XXXX XXXX until about XX/XX/2018. In a History of Public Health course, a faculty instructor in fact discriminated against several assignments that were completed in his course. I was graded poorly and this caused me to remove myself from the program. 

I was in a course that caused a bit of confusion by their faculty and staff concerning the discipline of online students. I believe that I was being grade unfairly and that the problem internalized errors mistaken by net neutrality. According to XXXX ( XX/XX/2018), net neutrality rules require internet providers to treat all online content the same, preventing them from favoring- or withholding - access to certain websites, services or apps ( para. 2 ). This concept frees the information in the classroom and all other matters that effects the principle to restrict any form of discrimination or interference in the treatment of content. 

I have several emails where the actions of the other party at XXXX XXXX have enforced unfair accounts and inaccurate information concerning grading, grading appeals, and netiquette ( appropriate language for online learners ). I went through a formal administrative hearing and based on their decision, I did not feel I was accurately defended in my case or adequately supported by FERPA educational rights. I withdrew from the school without any formality or well wishes from the staff on my continuation to grow and learn with their university, and basically I felt like I was dismissed from the institution. 

I have email exchanges with my instructor and all grading components which lead me to believe I was poorly being graded and discriminated against on several assignments that led up to an assignment on a specific racial population. The policy was taken from APA manuals, 6th ed. concerning the detail of anthropomorphism in writing concerning my instructor. 

I have communication exchanges with the staff concerning the actions of meeting student responsibilities and requirements to the classroom by administrative appeals. I was also sent a correspondences that shares my public records and information with the university and a debt that I need to pay back. I do not feel my rights have been fairly provided in this matter and the university is in violation or in other attempts for causing a debt. 

XXXX XXXX, XXXX ( XX/XX/2018 ). XXXX now has the 'world 's strongest ' net neutrality rules. https : 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 2023-01-31
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXX XXXX XXXX it shows up on my credit report that I missed a payment for these XXXX months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.

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 2022-02-07
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Naivent to took my rehabbed student loan in approximately 2008. I have paid thousands of dollars over the years and still owe money. When interest payments were suspended for everyone else, navient told me they couldnt because it was a private account. The recent call I made to collections they said I wouldnt be part of the settlement because I was public account. I would really appreciate if someone could explain whats going on. All I know is that through the years they have told me nothing, I dont ever remember even signing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 47 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 47 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bill was to be paid by insurance due to car accident. Received notice that insurance did not pay and so I made arrangements to pay company directly. Balance was paid in full to the company that I received service from. Collection agency was not involved in payment and should not have reported on my credit. Original creditor agreed to contact collection agency to remove any negative marks due to them reporting on my credit inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Velocity Portfolio Group
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The state tax lien that is being reported on my credit report was satisfied and paid in full on XX/XX/. The tax lien was filed on XX/XX/. The tax lien was reported to the CRA 's, by a third party vendor, in XX/XX/. The tax lien DID NOT include a full social security number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing. The other two are NOT cooperating and will not confirm if the required information was included. I spoke with two supervisor 's - one at each entity - both confirmed that in order to include the lien on my report, 3 of the 4 pieces of personal information are necessary. Neither would tell me if my file included that information. Please understand that I personally went to the county courthouse as a " third party '' and requested a copy of my tax lien. I received exactly what XXXX ( third party vendor ) would receive to report to the CRA 's. THE DOCUMENT DOES NOT INCLUDE THE MINIMUM REQUIRED INFORMATION. Therefore, the lien should be removed immediately.

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 2020-09-01
Company: EQUIFAX, INC.
State: TX
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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation