BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$120.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXnce of {$11000.00} -This is not my account.

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Academy Mortgage Corporation
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a first time home buyer FHA mortgage with Academy mortgage based out of XXXX, California. 

We have a perfect credit, no debts, good income, steady employment and cash in the bank. 

We were denied, and wonder based on which criteria. 

We are seeking answers, and wonder why no other type of mortgage was even proposed to us. 
maybe we could have qualified for a conventional loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I submitted my income driven request to XXXX to renew my income driven repayment plan. On or about XX/XX/XXXX, I received an email that I needed to denote on my paystub the frequency of my paychecks. The dates clearly show a bi-weekly payment, but I re-uploaded the requested documentation on XX/XX/XXXX, the requested documentation. On XX/XX/XXXX, I noticed my application had not processed and I called them and spoke with a representative to make sure my application would be in process and my XXXX payment would be normal. I was assured that my application would be processed before my XXXX payment. On XX/XX/XXXX, I received notification that my monthly payment on income driven that has been approximately {$450.00} was going to be {$2700.00} on XX/XX/XXXX. I immediately called XXXX and spoke with XXXX, employee ID XXXX, and was told that my XX/XX/XXXX, payment of {$2700.00} had already been issued and could not be adjusted. I asked XXXX to speak with a supervisor as I could not understand why I was paying for their failure to timely submitted my application. I then spoke with XXXX, employee ID XXXX, who said my only option would be to take a deferment. I explained that was not ideal since if I do not pay off my loans that would not count towards my forgiveness period and would add an extra payment on at the end of the 25 year forgiveness period when I will be hopefully making more money. He said there was nothing that could be done other than the deferment. I then stated that I was typing a complaint to the CFPB as I spoke and he was going on the record that I had to take a deferment even though I had timely submitted my application, but they had not timely processed it. He then said he was going to check on something and put me on hold. When he came back, he said he would escalate the issue and process my application himself today, XX/XX/XXXX, and put in a request for my XXXX statement to be reissued, but that there was no guarantee that it would be processed and my payment adjusted. He said I could take a deferment even after XX/XX/XXXX, but since I have direct debit, that I would need to request the deferment by XX/XX/XXXX to avoid the draft of {$2700.00}. 

I have had similar issues like the one described above every single year in renewing my income driven repayment request. What can I do to prevent this from happening again? Why is a student loan servicer permitted to delay processing timely submitted applications and stick me with the bill? Once they issue the bill, there is no adjusting for XXXX 's error other than for me to take a deferment that has a negative impact and extends my forgiveness period a month?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2023-08-24
Company: Financial Recovery Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about XXXX XXXX XXXX, first of all, the original creditor was not XXXX, XXXX was the name of the store and that is the name that would be on the credit card, second of all, XXXX has never sent me any of the documentation that you have mentioned on the previous complaint, XXXX does not have access to the original contract for this account, the original creditor is a different company, I would assume that if XXXX XXXX XXXX purchased this account, that they would know who the original creditor is and even if there was a contract with the original creditor, I do not have a signed contract with XXXX XXXX XXXX, show me a signed contract that says that I have agreed to pay XXXX XXXX XXXX this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: BARCLAYS BANK DELAWARE
State: HI
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:
I tried to purchase pet food using my Barclays XXXX XXXX credit card from a local company on XX/XX/XXXX this year. The merchant said that it did not go through, so I said to try again. It still did not go through so I did not make the purchase, bought a smaller amount with cash. 
I noticed two days later that there were two pending charges for {$85.00} each from that merchant ( XXXX XXXX XXXX. ) At that time I wrote a message to the credit card company to inform them the purchase was wrong. They replied that it must first go through and then to file a dispute. 
I did file two dispute inquiries and also went to XXXX XXXX XXXX to speak to the owner. 
She had no record of the two transactions since they did not go through. 
I spoke to the credit card company and later received two letters.

One stated that I had no paperwork to back up my account of this, which is true since the purchase was not made. The second said that I had waited too long to dispute it. 
I take issue with both of these replies since I did initiate communication with them Immediately and I can't prove that I didn't pay for something since there is no receipt. 
I have been charged {$170.00} for items I did not purchase and the credit card refuses to credit this back to me.

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 2021-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery constantly calls me 7 days a week non stop and multiple times per day. 
Dates they called XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  ( may have called more times as I recently got a new phone ) I have not answered any of these calls. I have talked to them one time I think in XXXX or XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX I initiated a XXXX transfer from my Bank of America business account for what was suppose to be a deposit for an artist performance at the end of the month. When I ended up being defrauded Bank of America said there was nothing they could do. Basically, my business has no protection at all against fraud because I used XXXX but the app is connected to my business account. I'm a XXXX XXXX of XXXX  children and it's disheartening to know someone can easily scam there way out of money and the banks don't protect it nor do they attempt to correct it.

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 2021-06-07
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received call XXXX asking for a different name but then corrected the name. Wanted to verify personal information. I indicated I wouldn't verify any personal information. Indicated they were calling from Nat. Credit Adjusters and had an offer with only a few days left before it went to an attorney. Advised i didn't know who they were or why they were calling. Asked me to verify my name, DOB, social security number, mailing address. Told them if they had business, please send something via mail. Said they had sent 6 mailings so I asked if they would send another because obviously i hadn't receive the others. 4 days later I receive an alert from XXXX indicating I have a new collection account from NCA with an original creditor of XXXX XXXX. I disputed the account with XXXX because XXXX XXXX had the XXXXXXXX XXXX account and the civil suit was non-suited in court in XX/XX/XXXX. XXXX XXXX and XXXX had deleted the accounts from my credit file. Continued to receive calls from different numbers from Nat. Credit Adjusters. Dispute came back unchanged so I contacted XXXX. Representative from XXXX verified the XXXX XXXX and XXXX accounts were deleted in XX/XX/XXXX and Nat. Credit Adjusters didn't post the account until XX/XX/XXXX. She reopened the dispute. Each time Nat. Credit has called I have refused to provide any personally identifiable information other than my name and have asked they contact me by mail. I have received nothing to date and haven't received anything confirming the validity of the debt. Today, XX/XX/XXXX, they've called again. I wouldn't verify any information, told them I was not liable to the original creditor or them, the case had been non-suited in court with a previous attorney and debt collection agency AND that the debt was in dispute and it was against the law to contact me while the dispute was open and they had NOT sent me any correspondence but have contacted me daily. They have not sent an accounting of the debt, ownership of the debt, or any information concerning the alleged debt. I want them to close the account and remove the collection on my credit file, stop harassing me, and stop the threat of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: PREFERRED CREDIT INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. It does not belong to me, yet it has been listed on my consumer credit report causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSWORLD SYSTEMS INC
State: AR
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:
In XX/XX/XXXX, UAS XXXX changed their online system. Since then none of my payment attempts have processed. On XX/XX/XXXX payment for {$50.00} was made, on XX/XX/XXXX {$64.00} payment made, on XX/XX/XXXX 5 payment attempts of {$110.00} was made, on XX/XX/XXXX payment made of {$110.00}, XX/XX/XXXX payment attempt of {$110.00} was made. I was told in XXXX that my payment attempts for XXXX and XXXX did not process. There was no time for me to try to correct the issue. On XX/XX/XXXX my check for {$200.00} was cashed and payment still has not posted. I was told it was my ACH accounting info was wrong. I called my bank in XXXX and XXXX and informed my ACH info was accurate. UAS XXXX continues to tell me they dont know whats wrong, they dont know where the check went. I emailed a copy of the front and back of the check on XX/XX/XXXX and XX/XX/XXXX. Still doesnt show posted. They do not accept credit card or debit card payments. Only able to pay through ACH payment. The account is showing closed on my XXXX credit report and UAS XXXX stated I needed to dispute it because they see the transaction attempts. I did dispute the error with the XXXX credit Bureau and was informed that the information is accurate and they could not reactivate that account on my credit report. Due to this issue, I dropped XXXX pts on my credit report, showing I have missed and late payments. I am being told the issue is my fault but have proven it is not, I am not getting proper assistance with how to pay them. When asked if I could pay it off in a bank somewhere they said no. They only accept ACH payments. I have spoken with a XXXX, who told me they would remove my ACH payment and we can re enter it, never was done. I spoke with XXXX twice and was told they dont know whats wrong, my bank info is wrong. I am getting nowhere with them and can not resolve this issue that is now effecting my financial life. I have been personally blamed by the people I have spoken with that this issue is my fault. I never had issues with payment until the changed their system. I have deleted and re added my banking information and still didnt work. When calling UAS XXXX, they are experiencing longer than normal wait times, the people who review paper payments are backed up. Appears they are having a bigger issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  representative knowingly lied during a verbal agreement on a recorded phone call. In an attempt to settle this debt I calle d Diversified Consultants t o setup payment arrangements.   The  DCI re p was  XXXX   XXXX . I told  XXXX   XXXX  that I am currently not working, but that I could set up a automatic payment plan of {$20.00} a month to resolve it. Before I gave  XXXX   XXXX  my credit card information I specifically asked him if the account was being sent to the credit reporting agencies.  XXXX   XXXX  stated that as long as I did not default on my payment arrangement, it would not be reported.  2 payments ( 2 months ) into my payment plan I was alerted by my credit monitoring service that DCI  had reported the  XXXX   XXXX   XXXX  account as a unpaid debt. I contacted  XXXX   XXXX  at  DCI t oday to try and resolve the issue, and he stated that he remembered our conversation from 2 months ago in great detail and that he did not say that my account was not going to be reported.  DCI  is refusing to remove the account from the credit reporting agencies, even though the account is paid off.  DCI als o refuses to release/play/share the recorded phone conversation that includes the verbal agreement.

Company response to consumer: Closed with explanation