BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX To Whom it may Concern. This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had contacted Navient ( the company my loans are through ) days prior to the payment due date about lowering my payment options. The representative who helped me also took my payment for that month over the phone. Days after the due date I started receiving strange calls from Indiana and only now did they leave a message. It was an automated message and said it was about my Navient loans and to call them at a specific number. I did not call that number, as I was wary off it being a scam, so I looked at my Navient profile. It was saying that I was short a {$17.00} for my loan payment! I could have defaulted on my loans or pay an extra fee had I not checked all because the representative did not take the full amount needed for my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I disputed these unauthorized inquiries with BARCLAYS BANK DELAWARE ( Bank ), they stated that they, 'did their research and concluded that these inquiries were not authorized by me nor did I benefit from it '. They agreed for these inquiries to be removed from my consumer report. It has been passed 60 days and these inquiries are still sitting on my report. I am requesting that this company show me proof of them sending it to the consumer reporting agencies requesting for it to be removed. If they can not provide me proof, I am requesting a {$3000.00} check to be sent to my residence within 5 days of receipt of this complaint : XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX for violation of 15 US 1681b ( a ) ( 2 ). The consumer reporting agencies stated that this company never reached out to informed them of the requested deletion. 

BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX XX/XX/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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Resurgent Capital Services L.P.
State: AL
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:
Contacted this company which I have not entered into any busineess or contract with and disputed the validity of the debt after seeing the credit report, also the company has not sent any contract or supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX, 2021 I recently applied for the Freedom XXXX  card and was denied for the following reasons : one or more Chase cards have recent delinquency, charge-off or bankruptcy insufficient credit information. I received this information in the mail on XXXX XXXX, 2021 I want to know why they are discriminating against me? I have never had a Chase card so for them to state that I have been delinquent, charged off or another other such thing that does not appear in my credit report due to the fact that my credit report reflects the following : Account Summary as of XX/XX/2021 Balance of {$4000.00} Payment of {$80.00} Credit accounts 1 Open accounts 1 Closed accounts 0 Delinquent account 0 Inquiries ( 2year ) 1 Derogatory 0 Public Record 0 FICO XXXX Since I did this in good faith because my credit is better than good and they are denying me based on anything but what they stating I am going to assume they are discriminating against me. Remove any inquiry that you have made to stain my credit ASAP. 
They did an inquiry on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested the original purchase agreement showing their ownership of this alleged debt. 

Requested a Debt Validation Letter but never got it. 

Dates requested XX/XX/XXXXXXXX  and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In accordance with the Fair Crediting Act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604 a. Section 2 it also states that consumer reporting agency can not furnish an account with my written instructions. Under 15 U.S.C. 1666B states a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.

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 2019-12-23
Company: Social Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Claim to have no payments in 2020 I receive statements from two different companies. 
Escrow depleted without proper billing Increased insurance amount without authorization. 
There is another person on my loan docs but not the loan and it's not authorized Privacy breach Excessive billing tactics during automatic stay. 
Billing statements don't match what was mailed between both companies Billing doesn't match credit filling Company filed negatively during diferment which kept me from getting a lower interest rate. 
This company violates all kinds of federal laws

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 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-24
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Good evening I'm contacting your company in reference to my account balance, I had this issue with with your company before and I providing this email to your complaint department along with CFPB, and I will be providing my statement from your company to CFPB My balance is not decreasing in the total at all, I decided to take screen shot and it is impossible for the balance continue to be the same when I make my payment on-time and some months I pay weeks before due date, so I'm ask CFPB to please look into this matter immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: OR
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:
Four and a half years ago in the summer of 2017 I applied for a master 's in finance program at XXXX XXXX  XXXX & XXXX. I was told I couldn't start the program because I hadn't finished some prerequisites. A week before school started I was informed that I was actually going to be allowed into the program. I signed up for classes and signed up for financial aid where I was then informed I could not receive financial aid because I had not finished those prereqs and I wasn't fully accepted into the program. I then dropped out of the program that week because I had no way to pay for it. They charged me a 20 % fee even though I never attended a class and I dropped the classes one week after being admitted into the program and immediately after finding out I wouldn't receive financial aid, thereby I would have no way to pay for school. 

Eventually this ended up on my credit report where I was then able to dispute it and it was removed due to these circumstances. They have since sold that debt to another company and again 3 years later it shows up on my report. I've tried disputing it again saying what happened and saying it's already been removed, but I can not get it removed again for some reason. This is unfair being on my credit which otherwise is very good. And is very disheartening because I've tried very hard to keep my credit strong. Please help me remove this from my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: NC
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:
Over 30 days ago, I requested a credit investigation. I have not received me results yet, but I should have.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section XXXX. Compliance and Procedures [ XXXX XXXX  XXXX ] ( XXXX  ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, XXXX says, Section XXXX. Disclosures to consumers [ XXXX U.S.C. XXXX ] XXXX consumer reporting agency shall, upon request, and subject to XXXX ( XXXX  ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2021-04-23
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 is missing that should be on the report

Complaint:
XXXX not reporting rent history that they do for others when requested fair housing act FCRA violations see attachments for proof of history

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 2017-07-07
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On X/X/17 I applied at XXXX to purchase a vehicle, once approved and ready to take the final background Quiz, done through the public information system ( LEXISNEXIS ), my last name was spelled wrong by one letter. Upon calling and going through the automated messages I finally got through to the proper department. They told me the best they could do was file an investigation into the matter and would not put me through to a supervisor. They said the investigation would take 40-60 days and hung up at XXXX because the woman said the office was closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Per the information on USAA 's app and URL, they recommend investing with XXXX XXXX. 
i opened a XXXX IRA XXXX XX/XX/XXXX for {$7000.00} i transferred {$110.00} XXXX XX/XX/XXXX XXXX XXXX closed the access to my account XXXX XX/XX/XXXX and then permanently closed the account by XX/XX/XXXX and kept my money. 
I've made constant attempts to speak with someone from XXXX XXXX to no avail. 

I filed with the SEC XX/XX/XXXX ( SEC Response - File XXXX : XXXX : XXXX ) and XX/XX/XXXX the SEC called and stated that XXXX XXXX said to come get the money / file a dispute with your financial institution ( USAA ) and they will pull back the money you sent. 

I called USAA XXXX XX/XX/XXXX to file a dispute. 
XXXX XXXX i received a response denying the request. 

I called USAA again XXXX XXXX to find out how to get this accomplished as i have not received the services for which my money was sent/spent. The agent said to file another dispute, which they did. 
XXXX XXXX i received another denial, and this time, the entry the agent put in was for the incorrect amount, so i've now confirmed that this 'denial ' is an automated response, no one is actually doing any work nor retrieving the funds. 

The SEC says i am to provide the document number of my claim with them to the financial institution so they can verify the response from XXXX XXXX. I did that and have provided it again above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation