BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter, dated XX/XX/XXXX, from JEFFERSON CAPITAL SYSTEMS , LLC ( JCS ) claiming that I owed a past due debt. No information was provided other than a dollar amount and a financial firm 's name - no description was offered, no date, and no other backup information of any kind. I know that I did not have any past debts, but I was concerned that someone had possibly incurred debt under my name. I therefore indicated that I disputed the debt and requested, by certified mail, that JCS provide information on the debt that they indicated I am entitled under the Fair Debt Collection Practices Act ( FDCPA ) so that I could understand their basis for claiming that I owed a debt. 

In their second letter, dated XX/XX/XXXX, they did not provide any further information as I was entitled under the FDCPA and as I requested. Instead, they asked me to certify that my identity had been stolen. Prior to receiving the second letter, I had contact the financial institution who was the supposed holder of the original debt, and they indicated that my accounts had been closed with no balance and that I did not owe anything. I sent another letter with this information to JCS and again requested that provide me with information as required by the FDCPA such as : - A detailed explanation of the charge - The date of the charge and supposed default - Name of the charge-off creditor and account number - The name of any other debtor or creditor associated with the charge - The names of all entities that have purchased the debt - A copy of any and all contracts or documents evidencing my agreement to the debt In their third letter, dated XX/XX/XXXX, they again did not provide me any information at all to corroborate the supposed debt. Instead, they simply said that because my debt was too old that they were closing my file and would pursue no additional action. This reason is nonsensical because they must have known the age of the supposed debt before they sent their first letter ( even though they never provided that information to me ). Their refusal to provide any information whatsoever regarding this supposed debt and to dismiss it leads suggests that their closing of the case occurred because the debt was fabricated, and that JCS knows that the debt is fabricated. I believe this is why JCS refused to provide me with information that they are required to provide by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax refuses to send me responses in the mail after Ive disputed items with them. I have called them in XXXX spoke to a manager and requested mailed responses only yet I continue to get an email notification because I use to have an electronic account with them. I sent letters certified in XXXX and still never got anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Greenback Recovery Group, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company keeps calling me asking for a particular person. I do not know this person. I have asked several times for them to stop calling me and they still call. I do not owe the debt and I do not know the person they are trying to reach.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-03
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW..I sent my FTC AFFIDAVIT AND POLICE REPORT to all 3 CREDIT Bureaus and the creditors Reporting the fraudulent information The fraudulent accounts were removed from my credit report and recently back opened without method of verification and Reporting the fraudulent information to my credit report. I sent letters to the 3 credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within four days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act. The Collection Companies did FAILED verify my debt or send in the required documents under the 611 and 623 FCRA THEREFORE the Fraudulent information was removed.. Recently these Fraudulent Accounts reappeared on my Credit Report..I 'm requesting these Fraudulent Accounts be Blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX is in violation of the the FCRA after I am writing due to XXXX none compliance of the FCRA. XXXX has fail to remove inaccurate information from my credit report. XXXX is in violation of the of FCRA refusing to uphold the law. I have provided XXXX with factual proof of my payment made on time for the month of XX/XX/2018. XXXX request me to send them supporting documentation that my payment for the month of XX/XX/XXXX was made on time to XXXX XXXX before they would delete the late notice for XX/XX/XXXX. I have provided XXXX email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.

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 2018-09-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As previous dispute under complaint number XXXX XXXX on XX/XX/2018 has left me in total disbelief that a company that I have had no business with is claiming that I owe a balance of nearly {$6900.00}. Fair Collections & Outsourcing sent a package to me which they stated was the full validation that I owe this balance. This contract had no mention of their client XXXX XXXX and nowhere in it does it state that I have any obligation to them.They failed to provied me with any contract or signed agreement which enters this company and I into business that nor places me in ownership of this debt. 

Yes, Fair Collections & Outsourcing as you have stated in your response, I have made multiple identical requests in past for validation of this account and because you have failed to provide me with this validation I am now demanding it from your clients XXXX XXXX. Your Reasonable Investigation Notice states that you sent me verification on the XX/XX/XXXX and you stated that you found the account to be reported correctly and that you will continue to report it. You further state that the report date was XX/XX/XXXX which is correct. I also see it reported on my credit file accessed XX/XX/2018 thank you for your one truth but that does not impend me exercising my rights to all docmentation ; contracts or agreement that states that XXXX XXXX and I, XXXX XXXX XXXX have or have had a contract bound by law which makes me responsible for any debt presumed owed to XXXX XXXX. It is my right pursuant to the FDCPA to question the validity of this information you have yet to produce. I make this my last attempt to acquire validation and if it is not recieved I will take steps to file a small claims suit against XXXX XXXX AND FAIR COLLECTIONS & OUTSOURCING for damages due to willful non compliance and damages per violation. This entire matter has caused me stress and emotional distress which is reflecting on my health and I would gladen the opportunity to file a default of debt validation against this company who have failed to verify this debt. I have yet to see any documentation ; contracts or agreement between myself and 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 2021-02-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX comenity creditcard I had a 0 interest rate promotion for 12 months, i paid my whole entire balance of XXXX on XXXX. MY PROMORION EXPIRED ON XX/XX/XXXX, however, i made my monthly payment on XX/XX/XXXX of {$120.00}. NOW, there retrieving {$1000.00} interest because I did not pay my whole amount on XX/XX/XXXX. I called the company today XX/XX/XXXX and they said that even if i had paid my whole balance i have to pay the interest as well. My next payment will be on XX/XX/XXXX. The company says that they will not help me with anything at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03
Company: The CBE Group, Inc.
State: UT
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:
The CBE Group is reporting an erroneous debt on my credit file. I recently checked my credit file and noticed this debt. I called and immediately settled the debt because I no longer wished for this to report on my credit. I was told this would be deleted from my credit immediately after and it would take 30 days for the bureaus to reflect that. However, when I went in after, I noticed that this debt was still reporting. I am aware that CBE Group is able to provide me with a letter stating what they said they would be doing. Also, this is a HIPPA violation. I never signed a HIPPA patient release form allowing CBE to report this confidential information on my credit. It must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: B & B FINANCIAL SERVICES INC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I HAVE COMPLAINED TO YOU ABOUT THIS LOAN SERVING COMPANY WHO RECENTLY TOOK OVER MY VA LOAN. XXXX XXXX XXXX XXXX 

THE ISSUE NOW IS XXXX XXXX XXXX HAS HELD UP MY AUDIT REQUEST ON THIS LOAN, I HAVE REQUESTED A FULL AND COMPLETE AUDIT YET TODAY I WAS TOLD XXXX WILL NOT GIVE ME AN AUDIT EVEN THOUGH IT IS THE LAW. 

XXXX TOLD ME THIS MORNING THAT COMPLAINING TO CFPB IS A WASTE OF TIME AS THEY ARE USELESS AND HAVE NO POWER OVER XXXX. 

AS THESE PROBLEMS CONTINUE TO EXIST I NOW HAVE NO DOUBT CFPB IS INDEED POWERLESS IF SO LET ME KNOW SO I CAN USE THE JUDICIAL SYSTEM

Company response to consumer: Untimely response
Consumer complaint received 2023-01-09
Company: SYNCHRONY FINANCIAL
State: OR
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:
I am being charged a lot more in interest than was agreed. Also that you are stating on my statements. I was told Ive been charged XXXX interest for XXXX  months on a XXXX purchase. And basically every other purchase had the same discrepancy. Even thought Ive been making XXXX payments every month. 
XXXX XXXX  should be XXXX initially, and then drop from there as my balance decreases. In fact using a credit card interest calculator, my total interest I would have had to have paid should be XXXX! Total! But they are telling me XXXX being charged XXXX in interest and still growing!!! 
This is only XXXX of my purchases, and they are all similarly being exorbitantly over charged!

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 2021-11-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EQUIFAX, 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:
I have the equifax credit service product, which inform me on XXXX that an new address was reported to my credit file. No other credit agency, but Equifax. I called several times ( please see dispute list ) trying to get them to look into the matter for resolution with no luck. They said they did an investigation and sent an update credit report that still shows the address of dispute out of Florida and I keep sending dispute trying to get them to remove this information with no luck. As of today this address is still on my credit report. All of my credit reports are lock, no one can gain access but government and Equifax itself. I received another alert from Equifax on XXXX saying a new address has been added to my credit report. This is a problem with Equifax or someone internal is doing this. Please review for accuracy and delete this address of my credit report out of Florida that has never belong to me or never stayed out of Florida in my life. This is complete fraud and Equifax say that have deleted this address but it appears they have not. They have violated statues of the federal law when correcting consumer information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT XXXX IS REPORTING THAT I OWE AMERICAN EXPRESS {$1000.00} AND XXXX XXXX {$760.00} WHICH SOMEONE GOT A ACCOUNT IM MY NAME, I SENT THEM A COPY OF MY POLICE REPORT AND ALL SUPPORTING DOCUMENTS THAT IM A VICTIM OF IDENTITY THEFT. ALSO EQUIFAX IS ILLEGALLY REPORTING THAT I HAVE A BALANCE OF XXXX WHICH I DONT, I WROTE MULTIPLE DISPUTES ON THESE ACCOUNTS AND THEY REFUSE TO FULLY VALIDATE THE INFORMATION THERE REPORTING. AT THIS POINT THEY ARE VIOLATING MY RIGHTS SO THIS MY FORMAL COMPLAINT. IM ALSO MOVING FORWARD WITH THE INTENT TO SUE ALSO

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BARCLAYS BANK DELAWARE
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX- Called credit card company XXXX XXXX requesting to reverse a balance transfer that was made in error due to recent XXXX XXXX XXXX due to XXXX XXXX XXXX. Not resolved. XX/XX/XXXX- Called credit card company XXXX XXXX again requesting to reverse a balance transfer that was made in error. They stated they can not reverse the transfer but they could write a check in the amount of {$5800.00}. This was authorized by XXXX XXXX ( the card holder ). They said they would be sending the check in the mail. This would bring the balance to {$0.00} on the XXXX XXXX Credit Card.

XX/XX/XXXX- Check never arrived. Instead credit card Company reversed 2 balance transfers electronically without authorization or notification to card holder. Over the requested amount leaving a balance of XXXX XXXX14.99 % APR ( previous APR 0 % ) XX/XX/2018 PAYMENT REVERSAL {$2800.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 INTEREST CHARGE ADJUSTME {$33.00} XX/XX/2018 PAYMENT REVERSAL {$6300.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 2850.00 ) XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 6380.00 ) XX/XX/2018 PAYMENT $ ( 2892.38 ) XX/XX/XXXX 3rd call, spoke with manager. He stated they can not undue their error. But But XX/XX/XXXX will remove interest charge of XXXX XXXX.They admitted that the first case opened on XX/XX/XXXX- was in a different department than the Case on XX/XX/XXXX leading to the departments not communicating resulting in the cancellation of the authorized check of {$5800.00} along with the 2 transfers being : {$6300.00} and {$2800.00} This leaves an open balance of {$3400.00} with an 14.99 APR which previously had a 0 % APR.

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 2021-05-19
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I received a letter from Credit Corp Solutions demanding the payment of {$1700.00} for an unknown account # XXXX that they have not shown legal proof that this account belongs me, legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. I called their office and sent a letter requesting these documents on the same date. This company has failed to respond with any information. 

I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: AES/PHEAA
State: CA
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:
I 've been working for a XXXX employer since XX/XX/XXXX. I recently ( XX/XX/XXXX ) had my loans transferred from XXXX to Fedloan Servicing ( Pennsylvania Higher Education Assistance Agency ) as part of signing up for the Public Service Loan Forgiveness program. 

They have been dragging their feet in explaining to me why they only counting my qualifying payments from XX/XX/XXXX forward, which means I would have to pay for an additional 3 years before my student loans are forgiven. They have made no attempt to properly explain their logic for determining this decision, nor have they sent me any kind of communication regarding my PSLF payments. 

I 've spoken with customer service reps and I 'm either given conflicting answers or no explanation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with XXXX XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX ; which is false. I contacted TransUnion by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XXXX I filed a XXXX XXXX which I had a loan with one of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/XXXX which again I did not intitate and I never received any other loan from them. XXXX XXXX XXXX XXXX XXXX has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.

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 2019-11-16
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: Credit Karma, LLC
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: Account information incorrect

Complaint:
I used Credit Karma Tax to file my taxes for 2018. They misled me by making me omit an important tax form that caused me to owe more than I reported ( {$7000.00} including penalties ). This was the first time I received payments as a consultant and wasn't sure how to process it. I wasn't aware I needed to upload this form because they didn't ask me about it like my previous tax preparing software did ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation