BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Affirm Holdings, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Response to file number XXXX I have never got any correspondence from Affirm as they had said that they would be contacting in there response to my last complaint I have even tried to contact them through mail and got no response Ive tried several times to get a copy of a signed contract and the ID they used to verify the identity but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( CommonWealth Financial ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall 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 relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: SLM CORPORATION
State: VT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sallie Mae has contacted many estranged family members/ friends after being told to stop contacting them. They have called various members 12+ times within the past 60days with the most recent time being today ( XX/XX/29 ). They are contacting my husband and I 8 times a day even after we have told them to stop. I tried to resolve the account and bring it current and they were not willing to try and work with me unless I had full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Navient Solutions, LLC.
State: FL
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:
In summer 2018 I attempted to go into forbearance on my loans because I was moving 500 miles away to get a better job and make a career move post-XXXX school. I knew that moving would be expensive. 

Navient rejected my request on account that I had already used my allotted forbearance period and that I must begin paying my debts in full. I was financially unable to do so as I spent my savings making the move to a new place. 

I was extremely overwhelmed because Sallie Mae was also calling me about their private loans and repaying them. Neither company provided me an option of a reduced payment plan or anything to assist me in maintaining my credit score. After a few months, Navient struck my credit score for each and every individual loan ( 11 ), which accounted for over 30 missed payments per my credit score. 

I reached out to Navient again and finally was offered the IDR. I gladly accepted and enrolled in auto-pay to ensure no further complications although I am still recovering from the many missed payments. That said, my loan is increasing exponentially to the point that I can not keep up. Every time I look, my loan amount increases despite my payments. 

I faxed Navient a request to remove the missed payments on my credit score but was not responded to. This instance has caused me to struggle through vehicle payments and obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
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 ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 attached my personal info which is my SSC and UTILITY BILL The listed accounts were placed onto my consumer report without my permission. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX *PLEASE SEE ATTACHED DOCUMENTATION

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 2019-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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 FILED ONLINE DISPUTE THRU XXXX XXXX ON PORTFOLIO RECOVERY ( PA ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD SERVICE IN AREA I WAS WORKING IN XXXX XXXX XXXX NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A XXXX XXXX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX  SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( PA ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: FL
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 made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX XXXX for {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX   XXXX for {$480.00}. 

These accounts have been paid and to date Experian is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Experian received on XX/XX/2020 and they still have not reflected the payments.

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 2017-12-11
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received multiple calls in the past few months from alleged debt collectors. 
They are calling themselves XXXX " XXXX XXXX XXXX ''. They have called me from various different phone numbers in different states XXXX, XXXX, XXXX, XXXX, XXXX. They allege to have sent multiple collection letters, which is false. They refuse to give me information about the company and are often aggressive when questioned about the company. Additionally, they have threatened my credit by putting this bogus account into collections. 
They have my full name, full address, date of my appointment, and name of medical provider. I know I paid the amount in full that they are talking about but it is concerning that some group would be able to get all this information about my health history. 
I have already contacted my health provider and insurance company about this and I do not intend to pay this bogus bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX  account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-07
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am an American Express ( AMEX ) Platinum cardmember. I made a hotel reservation for one night under AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) program at XXXX XXXX  a Luxury Collection Hotel in XXXX. Check-in date XX/XX/XXXX. Check out date XXXXtravel confirmation number ( Confirmation number:XXXX, Trip ID : XXXX ). 

Due to some personal emergency, I will not be able to stick to my original schedule. I called AMEX to change my reservation to date of my convenience. However, AMEX refused to reschedule siting policy restriction of the XXXX program. I was given an option to cancel and then rebook. This hotel allows reservation change to be made before XX/XX/XXXX, after which any changes will come with a fee. 

AMEX provides all its platinum cardmember a {$200.00} hotel credit, which gets clawed back when the cardmember cancels the reservation. So canceling the reservation is not advantageous for the cardmember, but it seems like AMEX is forcing consumers to do that. 

I feel this is an unfair business practice from AMEX. Therefore, I want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a official complain against Loan Care Address : XXXX XXXX XXXX XXXX PA XXXX My loan # XXXX was transferred ( sold ) to Loan Care and the customer service is terrible. The mortgage was transferred from XXXX after they went bankrupt. I still haven't received any papers in the mail from Loan Care on time, No received Welcome letter after mortgage is sold to them. If you need info about mortgage payment escrow and ask to speak whit Manager that will be not happen. I call few times and ask representatives that I prefer to speak whit manager because they never give me answer on my question or problems I have whit Loan Care. All times I call representatives promise that Manager will call me next day. HoweverManger never calls me yet. Probably this company does not have manager. XX/XX/2019 I receive letter starting that I need to pay two payments in one monthWhy According to letter from XXXX I receive mortgage payment will be the same no changes to escrow, monthly payment or home insurance will be made from Loan Care all will be the same. Loan Care recalculates my mortgage payment out of any reason. Refuse to send me letter two weeks before my payment is due. Out of any reason they send letter one or two days before payment is due. For sure they delay to posting payment on time to my account probably they fail to make payment on time to properly taxes and insurance all together. I am writing to bring to your attention a serious issue I believe that Loan Care break the law. I am very disappointment and I will ask Government and FHA to provide me another mortgage company I do not want to be customer on this company any more. I will contact to NJ Division of consumer affair, Attorneys General FCC I do not want to be consumer on this worst company. This company breaks the law. I need help to get out from Loan Care. 

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 2023-02-08
Company: EQUIFAX, INC.
State: SC
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  Account # XXXX, and XXXX from 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 : It 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 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 asked for items to be removed from my credit report that have not been verified as being mine. They have not been able to show proof of any original contracts with my signature or proof of late payments.

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 2021-04-12
Company: EQUIFAX, INC.
State: UT
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 have been disputing items with the credit bureaus for almost a year now and they have yet to respond to any of my disputes. I have serious erroneous items on my credit that must be removed. Somehow, over the course of a year I haven't had anything fixed or received any letters. Please fix immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am Unable to log in to their website to make a payment ( XXXX ) Tried to call support on XXXX and XXXX and never get to talk to a Human. The automated system does not recognize my loan number or social security number, so I am not able to go further in the process to make a payment. I also sent a email and have not heard back yet either. Payment is due on the 1st and it is very frustrating that I am unable to to get ahold of the company to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
NAvient is profiting off consumers in Bankruptcy. Navient locked out both myself the cosigner and my daughter the signer since my spouse and I filed ChapterXXXX in 2015. Navient refused to accept payment requests. Navient has applied capitalized interest in over 30k now that the ChapterXXXX is discharged. My daughter had made payments up until being locked out, she is currently looking for work and on unemployment. My husband is a XXXX military veteran and I'm XXXX. We are using our home equity, our only savings for our elderly years to pay this off since the amount continues to grow at a rate greater than any investment. Navient has refused to reduce the mount. Our attny advised us through out the Bankruptcy that Navient was suppose to work with us but Navient never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: AFNI INC.
State: IN
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 have not received any information regarding the investigation and it has been well over 30 days. These items need to be removed from my credit report

Company response to consumer: Closed with explanation