BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( lnquiries ) : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   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 2019-04-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fraudulent debt I have no knowledge of. This has been effecting me for to long and I know nothing about it nor did I know I could dispute it. This needs to be removed or take me to court so I can prove it is not me. Someone has either use my name and social security number or whoever says I owe them is fraudulently trying to get money from me. Court is a good place to prove it one way or the other that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Security Credit Services, LLC
State: KY
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 sent a letter of convergent asking for : 1. Validation of the debt-that is, the actual accounting. 

2. Verification of a signed invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

However, according to 15 USC 1692 ( E ), 15 USC 1692 ( D ), AND 15 USC 1692 ( B ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication of a debt.

A loan agreement is a contract and so there has to be full disclosure of all the details ( which there wasnt, both sides have to put up something of equal worth ( which didnt happen ), the contract has to be signed is wet ink by both parties.

Contract : a written or spoken agreement, especially one concerning employment, sales, or tenancy, that is intended to be enforceable by law.

" both parties must sign employment contracts '' A statement is not an Invoice so would you please provide a signed Invoice as requested.

A loan application does not constitute a Contract as it only signed by one party and I asked for a copy signed by both.

Once again, I am demanding the requested documents to be sent to me within the next 14 to 28 days and if this does not happen than I will consider the debt to be fully discharged and for my property returned to me.

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX XXXX do hereby rescind the agreement, transaction, for violating Truth in Lending. Please return any and all property as outlined by the law. 
Respectfully, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I called Fedloan my servicer to discuss my pending application for renewal. The letter stated it was pending. When I spoke to the lady at customer service she stated it was approved and gave me my new payment amount. She did not state that my deferment was over although I had asked for a 2 month one and she said I was approved. I then removed access to my bank account so they could not take out the auto payment just to be safe. They still did on the 9th without my authorization. This is an illegal access to my bank account and misinformation given to me. No solution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: CA
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 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 right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They show me having a late payment on XX/XX/2019, however a representative was helping me set up auto pay and did not set it up correctly making my payment late. I did call and nothing was fixed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax to file a dispute and was promised it will be filed but they ended up not filing the dispute instead they simply blocked me out from being able to call them and as of today 3 weeks later they still did n't initiate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX    XXXX    XXXX   XXXX   XXXX  maryland  XXXX and my phone number is  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 2022-04-07
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 have reached out to all XXXX credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX to confirm my monthly payment of {$110.00} that was agreed upon back in XX/XX/XXXX for a line of credit. I was then informed that I received a credit card that I did not ask for, wanted or needed. Even if it was sent I would have shredded it cause it was something I never intended to use. Even though I was meeting my initial payments I was told they were issuing me a replacement card. On the XX/XX/XXXX I received a notice of activity on my credit report because they opened my credit report and issued me a credit card that I did not request. Then i received a notice that my next payment for XX/XX/XXXX will be due on the XX/XX/XXXX for a payment of {$260.00}. I am in agreement to refinance my home to eliminate debt so why would I agree to increase my debt. This predatory practice will lose me {$40000.00} and lower my credit standings. I then spoke with a customer service supervisor who told me she refused to discus with me any further about this matter and abruptly hung the phone up on me. Very rude. When does a line of credit turn into a credit card just to increase my monthly payment. Right now I have block from opening my online account so I can only imagine what changes that I can not afford are being made. Without access to my account how can I continue to make my payments of {$110.00}, so I guess their intention is to charge my credit card to put me further in debt.

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 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The Bank of America ave us a schedule of payments and then they changed them by sending monthly notices shown different amounts. Sometimes they were higher and sometimes lower.We always paid the scheduled amount. As a result in some cases we underpaid and some we overpaid The overpaid money went to pay down principle and the underpaid amounts were given a late charge. We paid all these extraneous over charges separately. We want back the amounts paid to principal immediately and while they keep sending us statements I have no proof that they returned the money to me that was used to pay down principal. Because of this I may not have enough money to pay the regular mtg payment 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 2022-04-07
Company: Experian Information Solutions Inc.
State: NC
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 reviewing my Experian report I noticed multiple accounts that do not belong to me.I have contacted Experian and they are doing nothing about. this issue. The accounts in question are XXXX XXXX XXXX, XXXX XXXX? XXXX XXXX, XXXX? VT. I spoke with XXXX in the Special Services department and was assured this matter was going to be habdled. It still has not been handled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I went to my local chase bank atm to pull out my monthly fixed amount of XXXX . But This time when I put in my card after I had gone through my normal button routine, something went wrong ... Instead of giving me my money the atm machine had a message that read " Having problem printing receipt, try again later '' and it printed a receipt with a sequence number. I couldnt do anything because this was XXXX on a saturday, and they were closed. The date was XX/XX/17. So on monday the XXXX, I went inside the branch to get some answers. I figured they could see the atm info and see I never got anything. But no they couldnt help me besides telling me I had to file a claim on XXXX. Which is the state of washingtons government assistance agency. Like I had said I am on a very limited fixed amount each month and the bank had just taken it all from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open en
d consumer credit plan as late for purpose 15 USC CODE 1681 a - definitions rules of construction - Exclusions - except as provided, in paragraph the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a consumer and natural person. I have sent out a Cease and Desist to Dynamic Recovery Solutions LLC XX/XX/2022, they received this correspondence XX/XX/2022. They have not acknowledged nor sent me any information to validate this alleged debt. They have continued to call me without my consent, after receiving said correspondence in attempt to illegally collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions 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:
I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the XXXX XXXX XXXX. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}

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 2019-10-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
STATUS ID # XXXX Feedback provided on XX/XX/2019 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS WF reply is not in reality? False information on Balance of Unpaid taxes [ $ XXXX ] which I always pay myself. If you looked at my PAID Interest payments of XXXX and XXXX of $ XXXX, it left my Payoff balance for XXXX. WF is playing XXXX XXXX XXXX with the Interest? Payoff was XXXX not XXXX, How could anyone Payoff a Illegal Balloon of $ XXXX, or Foreclosure TWO MONTHS EARLY?? A Myth Their claim of Interest on interest is USURY and they'll be going to Claims Court for a Judgement against them. Why did CFPB not enforce this Violation? Have WF DEFAULT IN FRAUD BY XXXX XXXX, XXXX XXXX XXXX of 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 2022-04-07
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I co-sign a student loan for a family member. They started to get repayment statements before finishing college. They tried to defend the payment but the bills continue coming and they unable to make any payment on the loan. That was back in XXXX. The debt was several time through out the years. XXXX XXXX XXXX XXXX XXXX has law suit against me to garnish my wage has the co-signer which I can not afford. I am a XXXX year apprentice program. 
This is a old debt that was charge off by the original company. If I had the money I would try and settle with them but I dont have it. Please advise if there is any other option I can take. I think it should be against the law for the practice of buy debt that has been charged off for pennies on the dollars to sue for these outrageous amount of money plus all interest for all these years.There is no protection for us against these debt buyers. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
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:
I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX  IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent XXXX, Trans-union, and XXXX everything that they ask me to send them to show that I was a victim of identity theft

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 2022-04-07
Company: EQUIFAX, INC.
State: MS
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 filed an identity theft report with the FTC. I have made repeated attempts to have this information deleted from my profile which was not authorized. No one is helping me and no one has communicated back to me after over XXXX attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
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:
I have sent XXXX, XXXX, and equifax everything that they ask me to send them to show that I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
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:
I have sent XXXX, XXXX, and Equifax everything that they ask me to send them to show that I was a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed XXXX XXXX bankruptcy in XXXX because I was being evicted from my apt . I paid what I could through the XXXX  XXXX. In XXXX my bankruptcy was coverted to a XXXX  XXXX due to hardship because I had a XXXX XXXX XXXX XXXX XXXXXXXX and declared a hardship. It was discharged six months later XX/XX/XXXX XXXX bankruptcy mostly contains XXXX  loans from XXXX. After discharge, my loans remained and my car was repossessed. Now my loans that I expected to be discharged through hardship has been transferred to AidAdvantage. I'm social security XXXX of XXXX per month and I have to pay for my own medical treatment. I can't pay my own rent right now. I'm in over XXXX in student loan debt right now. And my I have no degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have tried several times to consolidate and lower monthly payments. I have various interest rates as high as 13 %. They are unwilling to discuss and say they have nothing available. When I was unemployed they did not offer any relief and continue to offer no assistance or forbearance. They also where assertive in borrowing me funds while I had already borrowed {$65000.00} for my degrees already. After reviewing my credit I expect to be denied.

Company response to consumer: Closed with explanation