BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXXXX/XX/XXXX EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX - XXXX XXXX XXXX - XXXX Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX DOES NOT have those accounts number attached to THIS ADDRESS! And electing to leave it on my report. 
I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: AR
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently requested all of the documents for the account XXXX XXXX XXXX Acct # XXXX, after finding out i had a judgement that i had no idea about. I also never recieved the proper documents after the repossession of the vehicle. ( Notice of plan to sell, statement of sale ) After closely reviewing the documents they provided and comparing to my credit report i noticed several innaccuracies, the statement of sale, the notice of deficiency, and notice of plan to sell thats supposed to give me the opportunity to buy back the car ALL had the wrong address ( everything was correct except the zip code was innacurate ) which is why i never recieved them, Also several of the payments reported are inaccurate which is causing reaging to this account. I also was never notified that i needed to be in court im guessing because the address is incorrect. I have checked with all credit reporting agencies and they have the correct address linked to this account so im not sure if it was an error or done purposfully. Either way this is a violation and shouldnt be on my report since i was not sent the proper notices after repossession happened. I want this account removed immediately. I am also waiting on all my documents for the judgement so see the accuracie of 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 2018-12-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In response to my complaint # XXXX about AES, in which I maintained that I NEVER signed ( electronically or otherwise ) a federal loan consolidation application and promissory note in 2005 and from whom I asked for documentation proving their allegation that I did so, they responded to you ( but not directly to me ) that any documentation of proof I requested repeatedly is " UNAVAILABLE. '' Now, XXXX is threatening seizure of federal and state tax refunds to offset the now {$30000.00} allegedly owed by me. It seems to me that the notion of " burden of proof '' is upside down here. I maintain that I did NOT electronically sign the consolidation document in question and further asked for documentation pertaining to the original loan. How can a person prove that she did NOT sign ( electronically or otherwise ) a document that bears no signature, contains numerous mistakes and missing information? It should be quite easy for a reputable company to provide proof of such a signature. My dispute with AES and now XXXX has gone on for almost two years, with no relief or even reasonable responses. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
unlawful credit card claims made by American Express for passing business credit cards ending in XXXX and XXXX. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, non was produced. Instead piles of credit card statements were sent that proved American Express engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were XXXX XXXX a business credit card for businesses with large cash flow an Simple Business Cash Card issued to XXXX XXXX XXXX XXXX, a C corporation and XXXX XXXX XXXX. 

American Express own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. 

I have attached these proofs to show American Express unlawful conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Credit Bureau Central Inc (MS)
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i check my credit report and notice a inaccurate item from credit bureau XXXX XXXX XXXX and sent them a dispute letter on XX/XX/2021 for the alleged debt of {$59.00} that i do not owe.as of XX/XX/2021 i haven't heard or gotten anything that i requested and i have attached a copy of the letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Navient Solutions, LLC.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from XXXX [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with XXXX. They asked me to contact XXXX/NAVIENT [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by NAVIENT of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with XXXX. I sent them images and screenshots via email per their request. I have not received a response. I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX I received the copy of my yearly escrow account balance with a refund check of approximately {$2700.00} and notice that my monthly payment would decrease by {$350.00}. After review of the document it was clear that they made a mistake by the company saying my property taxes were scheduled to fall from $ XXXX/year to $ XXXX/year. I called the company and spoke with a representative. She indicated she would refer the case back to the escrow account department and thatd I hear back. I never heard back so a month later in early XXXX I called back. I spoke to another representative and she agreed they messed up the calculation. She said she could tell that they used the wrong county to calculate my property tax rate and thats why it was showing a much lower amount. She said they would be updating the new monthly payment amount before my XXXX payment was due. She also advised I should deposit the original check into my checking account and then repay Penny Mac that amount back into the escrow account. By XXXX the monthly payment did not update and I have heard nothing further from the company if they will actually be updating my monthly payment info. In the meantime I am having to withhold an extra $ XXXX/month because I know they are grossly under collecting for my taxes and I do not want to be billed for {$4000.00} next year when they realize they messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Westlake Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have already filed a complaint on this and I get the same thing back they say they daily deal for XXXX. But they seem to fail to mention about the XXXX for some individual to state the fact that they sent all these different paper work invaded my privacy. But it doesn't matter it seems. So if I get run over it okay then it's should be fine for me to go to the whole social media and let everyone know what happened who was the ones who got to pull there weight around and from what I know have to worry about from all of this BECAUSE I CONSTANTLY CALLED AND WORKED WITH THEM AND THEY COULDN'T EVEN HELP US BUT THEY TURNED AROUND AND SOLD IT FOR XXXX. I AM WILL LET MY VOICE BE HERD. I AM NOT THE TYPE TO DO SO BUT I AM ADAD WHO NOW HAS A DAUGHTER WHO WANTS TO END HER LIFE GOOD JOB CHASE YOU WOULDNT EVEN TALK WHEN I CALLED YOU AND YOUR LAWYERS GAVE ME A RUN AROUND FOR XXXX DOLLARS. WOULD YOU SEND MONEY TO SOMEONE YOU CANT SEE WITH ALL THE SCAMS YOU ARE A HIPACRIT AND A FAKE. I WILL RETURN THE HELP YOU GAVE ME AND THAT IS A REALLY NICE THING FOR THE FUTURE IN BUSINESS. AND I KNOW IT DOESNT MATTER YOU COULD CARE LESS ABOUT BUT IF YOU GRAB A BULL BUY THE HORNS YOUR GON NA GET THE BULL. SEE YOU ON TV OR IN THE PAPERS. I LOST EVERYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: QUALITY ACCEPTANCE LLC
State: AZ
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 co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( quality acceptance ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX XXXX Which is more than the original purchase price. As of today we owe approximately 14,000 and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: NC
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 recently requested all of the documents for the account XXXX XXXX XXXX Acct # XXXX, after finding out i had a judgement that i had no idea about. I also never recieved the proper documents after the repossession of the vehicle. ( Notice of plan to sell, statement of sale ) After closely reviewing the documents they provided and comparing to my credit report i noticed several innaccuracies, the statement of sale, the notice of deficiency, and notice of plan to sell thats supposed to give me the opportunity to buy back the car ALL had the wrong address ( everything was correct except the zip code was innacurate ) which is why i never recieved them, Also several of the payments reported are inaccurate which is causing reaging to this account. I also was never notified that i needed to be in court im guessing because the address is incorrect. I have checked with all credit reporting agencies and they have the correct address linked to this account so im not sure if it was an error or done purposfully. Either way this is a violation and shouldnt be on my report since i was not sent the proper notices after repossession happened. I want this account removed immediately. I am also waiting on all my documents for the judgement so see the accuracie of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
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: Information belongs to someone else

Complaint:
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with XXXX, XXXX  and Transunion credit reporting agencies. I requested verification of the debt and account however XXXX XXXX   failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Pacific Retrieval 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 got a call at XXXX XXXX. I did not answer. I looked up the number online and see people saying that the company is pretty bad, aggressive, rude, ect.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
on XX/XX/XXXX. i was reviewing my credit rating ( XXXX ) on XXXX XXXX.i saw the add for loans at reasonable rates. i can not remember if i applied on line or by phone. i received a loan packet 3 days later, with loan documents that were routine, asking personal info, and loan amount requested. i faxed the app to a office in indiana. they returned questions to me over about 7 days, and after i faxed the completed questions to indiana i was told by a phone call i was approved, but had to speak to a loan officer. i spoke to the loan officer, and he told me i was approved for {$3800.00} and not {$5500.00}. he also told me i would pay payments of {$170.00} per month, and the months were not discussed, and the interest would be 25 %, is what i heard, but over the phone, was not the rate! it was 35 %, of which i would find out later and would have refused! also the loan officer asked if i would do auto payments, to which i said ok. the money was deposited in my account on XX/XX/XXXX.since that date i have requested the loan papers, and later found out the interest rate at 35 %, and since then i have call one main, and spoke to many people for help. i have been told that they will not change the rate, but was told to pay off the loan to fix the issue, among many other suggestions. i did receive the loan papers after many calls to them on XX/XX/XXXX,1 1/2 months after the loan was given. i have a problem with the disclosure of the loan! they were not upfront with the info of the loan, and didnt want me to have it! because i was persistent, i finally receive the documents! i have no issue with paying back the money, but the interest is almost as much as the loan! this to me is predatory, and not fair. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: RI
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: Problem with personal statement of dispute

Complaint:
I had an automatic payment of {$50.00} scheduled for payment to my XXXX XXXX Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my XXXX XXXX Credit Card, which them increased my minimum due for the month of XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by XXXX XXXX which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both XXXX XXXX and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought 3x {$100.00} master gift card issued by US bank on XX/XX/XXXX. When I tried to use those gift cards in XXXX, I found that the balances of all of them are {$0.00}. There were unauthorized charges on the cards. I contacted the customer services based on the phone number on the back of the cards. They asked me to fax the front/back of the gift cards, receipts buying the gift cards and my driver 's license to them for lost/stolen replacement card request. I faxed all the documents on XX/XX/XXXX and called them many times since then. I was able to get one of the master gift card replaced in XX/XX/XXXX. But for the other 2 gift cards, they said that the information has been forwarded to US bank and asked me to wait. The last time when I called them in XX/XX/XXXX, they told me that a different company/organization is handling the issue.It has been almost 2 years and I haven't gotten my {$200.00} ( 2x {$100.00} master gift card ) back. I still keep all the documents. Can you please help to get my money back? Thanks a lot!

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