BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: V and H Portfolio
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: Information belongs to someone else

Complaint:
on XX/XX/2019 Vance Huffman LLC has added a collection account per XXXX XXXX upon further research, this account was transferred and i am no longer responsibile for this account. Debitors did not verify this collection. Also there is no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Vance and Huffman LLC has violated my rights as a consumer and im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: CITIBANK, N.A.
State: OH
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:
On or about XX/XX/2018 I received a call from Citibank d/b/a SearsCard that there were a suspicious attempt to charge my card at a Dollar Store in South Carolina. I told Citibank that it was fraud because I was never in South Carolina and had my credit card here in Ohio. Citibank told me that it would cancel my card and issue me a new card. Citibank did not tell me that there were earlier fraudulent charges also made in Souh Carolina. Because Citibank closed my account, I could not access my online statement or account information. Citibank told me that my balance was {$130.00} c and that I should pay it to avoid late fees. I paid it quickly on XX/XX/XXXX. Subsequently, when inquiring how that balance was calculated, I learned that there were three identical charges made in South Carolina for XXXX XXXX  totalling {$80.00}. Citibank knew that these we were fraudulent charges, too, but kept that information from me. I repeatedly called Citibank to dispute those charges, but each time a heavily accented female based in the XXXX demanded to know my checking account information, I do not have a checking account with Citibank, and told them so. Citibank a dozen times refused to accept my dispute. It appears that the XXXX were illegally trying to get my personal banking information totally unrelated to my credit card. And, twice Citibank told me that the new card was sent to the fraudster XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX SC XXXX because someone changed my account data to her name and address. Utter stupidity by Citibank! To date, I have neither received a new card, nor refunded the {$80.00}.

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 monetary relief
Consumer complaint received 2018-06-21
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
At the time of this loan my name was XXXX XXXX. I got the loan in XX/XX/XXXX. I started off pretty good, but through the course of the loan I lost my job and had to take a lesser paying job in XXXX. My finances decreased and I couldnt really afford the car. GM Financial offered me deferment to get current. Eventually I fell behind again. I had lost another job, I dealt with the lost of my daughters father to XXXX, after while I asked about refinancing and they said they didnt do any refinancing. I tried my local bank and they told me I was upside down in the vehicle. So there I was stuck in a car loan that I couldnt get current in no matter how hard I tried. My loan was for about {$15000.00} and by the time I voluntarily surrendered the car I still owed them {$12000.00}. I was disgusted, depressed, and felt taken advantage of. I couldnt see myself throwing money away to interest and never owning the car. I felt relieved afterwards but still upset because I threw away so much money. Now Im still owing a balance on car I dont have and it is negatively affecting my credit. No one at GMFinancisl every told me that it wAs a simple interest loan or what my per diem rate was. Now I know about these things I feel that this was a ripoff, like predatory lending. I feel this balance should be XXXX and removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient XXXX XXXX XXXX, reported late 90 day and 120 day late payments to all three credit reporting agencies, when I indeed was not late, my account was in deferment, on top I was never notified of any changes or payments needing to be made, spoke with Navient on numerous occasions. The representative told me if I went in deferment my credit would be updated and then my credit was never updated, they came back and said they couldn't. They are very rude and not helpful in resolving this issue at all. They do this to everyone, because they know people need student loans. This is not fair and invading rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received another letter in reference to an apartment complex. Nevertheless, XX/XX/XXXX, I was XXXX in that apartment complex by XXXX people. The apartment was aware because the security officer seen it and came to help in after being attacked. Furthermore, management property that was originally over the property stated to me that because of the XXXX incident that I have a right to leave immediately. However, I been receiving tactic letter and harassing letter. This account is not in my name. This account is associated with my baby mother. However, she does not owe as well because she left this complex in XX/XX/XXXX. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Swe Homes LP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am late on my payment this month and it is not even 30 days from my due date and you all are threatening to foreclose on my property already. I have not read anything in my loan agreement that says that. 
Last month I was late and you all gave me such a hard time. One guy tried to charge me {$200.00} more dollars on my late fees in addition to the {$140.00} dollars. I did not see that in my loan contract agreement. 
( I am writing this complaint because you all already foreclosed on two of my properties under the same exact conditions )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently started a credit monitoring service and noticed several accounts that do not belong to me.There is also incorrect " late pymt '' entries from companies that I do have accounts with also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: AMERICAN EXPRESS COMPANY
State: GA
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 have been a American Express member since 2005. In an effort to eliminate debt I voluntarily placed my accounts with a debt management program. The debt management program did not make timely payments to all creditors. American Express was one of those. American Express removed itself from the program and I took over making the payments myself. I continue to receive statements from American Express and make payments using the American Express website and its auto pay feature. The current minimum payment is {$100.00}. I make monthly payments of {$240.00}. A review of my statements and credit report reveal that I have made no late payments, but my account has been placed with collections. I learned this information when I contacted American Express to change my due date and was referred to a collection agency. I have not been able to contact a representative or department at either organization that can provide me with a reason the account has been forwarded to collections. Each time I contact either organization I am referred back to the other. 

I have copies of my statements and credit report that can be submitted, but the files are large. I can provide ALL documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: MA
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:
Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXXXXXX XXXX XXXX  XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2020-05-13
Company: ONEMAIN FINANCE CORPORATION
State: AR
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:
ONEMAIN KEEPS PULLING PROMO INQUIRIES FROM OUR XXXX  AND XXXX, AFTER OPTED OUT.FURNISH LETTERS FROM XXXX  AND XXXX  STATING THAT WE ARE REMOVED AS SUCH. XXXX XXXX, XXXX XXXX, AND 5 OTHER CLASS ACTION MEMBERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXX XXXX XXXX   XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: GREAT LAKES
State: NY
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 went to XXXX XXXX at XXXX in XXXX and XXXX school year. Graduation was in XX/XX/XXXX. I took out 6 loans via XXXX. They were 2 Federal Unsubsidized Stafford Loans 2 Federal Subsidized Stafford Loans 1 Fed Direct Grad PLUS Loan For roughly $ 55K total The loan rates varied between 6.5 % -8.5 % - which I was told would be able to be refinanced as they were too high and that was not true. 

After school, those loans were sold to different companies, all of whom I had to chase down to figure our where/how to pay my bill. The different companies were XXXX XXXX XXXX XXXX XXXX   Over time, I paid of 2 of the loans as well as paying monthly payments. 
I think that's all and then I was contacted by XXXX XXXX XXXX XXXX ( which no longer exists ) and swindled into consolidating into 1 loan - they said it would lower interest and put me on a PAYE to lower payments as I was struggling living in XXXX trying to make them. Unfortunately, that was also not true, my percent is 7.75 % ( 7.5 % with auto-pay ) and while I have a PAYE, my balance continues to grow and is now 41 % HIGHER than I borrowed. It feels like a black hole. 
I have repeatedly asked for a way to lower the interest rates and I have been told that only an act of Congress could do that. Additionally I have verbally and in writing ( via their website ) requested that payments could be applied to the principal. They said no, only when interest is done, later they contradicted by saying that if I paid more than the minimum payment, I could direct that to be applied to principal. I just submitted an excess payment and specified that it should be applied to a loan section with less interest and a lower amount and they refused to do so, holding it as " pending '' until the next billing cycle and then not applying it where I specified. I am infuriated and fed up with being taken advantage of. 
I have asked for a copy of my Master Promissory Note, my servicer told me I had to go to the studentloans.gov site to find that - there is no record of it there, when I emailed to ask where it was the studentloans.gov site told me I had to ask my provider for that. It seems no one can produce my Master Promissory note. I have also asked for a complete record of my accounts what I have paid who as I am trying to determine what I have actually already paid as my balance NEVER GOES DOWN. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: United Revenue Corporation
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this erroneous, inaccurate and unverifiable entry with United Revenue Corp on multiple occasions as well as disputed them with the credit bureaus. In my most recent communication to United Revenue Corp. dated XXXX18, I was specifically responding to their latest response ( see attached ), denoted as frivolous. There were not any parts of my previous requests that were frivolous. I was very specific in my request that they validate the debt they were alleging I owed. 

United Revenue Corp did not provide an agreement that stated their authority to collect on this alleged debt, nor did they provide an agreement with the signature of the alleged debtor wherein he/she agreed to pay the creditor ; verification that the debt was assigned or sold to collector, complete accounting of alleged debt and name and address of bonding agent for collection agency in case legal action becomes necessary. To no avail. This is very specific and counters their claim of being frivolous. In my letter dated XXXX.18, I was even more specific in requesting that they provide a copy of my signature with the provider of service alleging the debt to release my medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. To no avail. See attached return receipt that reflects United received my dispute and blatantly refused to respond. It has been almost 60 days since my request for the aforementioned documentation, yet they have failed to comply. 

It is apparent that United Revenue Corp is unable to prove the validity or accuracy in the 2 entries they are continuing to report as derogatory on my credit reports. To that end, these erroneous, inaccurate, unverifiable entries must be deleted immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from XXXX XXXX and attached hereto. I submitted a dispute with XXXX  in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted XXXX  on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide XXXX XXXX 's correspondence approving a forbearance. As a result of the negligent actions of XXXX XXXX and XXXX, my credit score is extremely damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I tried disputing by mail and online, they have yet to inestigate

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 2018-08-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a synchrony XXXX XXXX account. I never signed to for a promotional interest rate. To defer interest. They said {$850.00} was due by XX/XX/2018. I did not apply for this deferred balance. I am getting 20 or more calls a day. They are harassing me. Now my card looks like Its over the limit. Im buying a house and this card is destroying my credit. I have never been late and I should not have to close out my account to get a reduced payment. I have a XXXX XXXX XXXX account and the minimum payment is over {$100.00} for a XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am writing in regards to your response to our complaint ( XXXX ) with  Consumer Financial Protection Bureau ( CFPB ). I refuse your decision on the fraud as I will not be held liable for documentation with forged signatures. Please see attached detailed correspondence.

Company response to consumer: Closed with explanation