BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a suit from XXXX for approximately {$1600.00} around XX/XX/2015. For some reason or the other I did not receive the bill from them. Once I realized after a while I went to the store and inquired about not receiving the bill with the clerk. She told me what the outstanding amount was with late fees and penalty. I did not agree with the late fees and penalty but paid for the merchandise that I had bought. The clerk also agreed and said they will take the penalty and late fees out. 
Which I realized they never took it out. 
And now I get calls from some other company ( Portfolio Recovery Associates ) for the late fee and penalty which I vehemently dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have requested documents numerous of times so my payments will stop. i am unable to make payment to navient. i was told i will receive documents in the mail and my payments will be put on hold. my payment were put on hold for a few months but i never recieved the required documents navient said they will send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Alliant Capital Management LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I've received repeated calls at all hours from a company by the name of Alliant Capital Management. The most recent call was at XXXX XXXX. Thinking it was an emergency I called the number back and received a voicemail for a person named XXXX at the above named company. This is absolutely ridiculous. I contact my creditors directly from the companies listed on my credit report. I do not answer numbers I don't know and I don't deal with companies who want money over the phone. I pay my bills that I receive by mail and that are listed on my credit report. These are extremely aggressive tactics for a debt that isn't proven to be mine. I've gotten calls before XXXX XXXX, after XXXX XXXX. It's not right. No other company has EVER behaved this way. I received voicemails threatening legal charges, that I could go to jail. I'm not stupid, I know that no debt, unless fraudulent, can put me in jail. I've committed no fraud so I know I'm in the clear. But I will not tolerate someone trying to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Resurgent Capital Services L.P.
State: NY
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 wrote to XXXX XXXX to ask them to validate their claim that I owe them for this bill. They are not the original creditor and failed to provide a bill of sale and the original contract is with the original creditor. They failed to provide me with a bill of sale. 

XXXX XXXX is reporting on my credit file with all 3 credit bureaus that I opened an account on : XX/XX/XXXX, This is false. The original creditor is already reporting this debt. 


Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I requested that the company send me the requested information below within 30 days. The company failed to provide the information within the alloted time. 

1. Please state the name, occupation and mailing address of the person answering the following questions. 

2. Please furnish a copy of the contract which your company has with me in regard to this alleged debt. 

3. Please identify what you loaned to me. Did you loan me cash, credit, or a debt instrument? 

4. Please produce the account and general ledger statement showing the full account of the alleged obligation that you are now attempting to collect, verified ( sworn true, correct and complete ) by the party who made the entries.

5. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

6. Please verify under penalty of perjury that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original creditor.

7. Please obtain verification from the original creditor, under penalty of perjury, that the creditor did not receive reimbursement from its insurance company in an amount exceeding the amount of the alleged debt, as is the customary policy of lenders ; or in the case of an alleged criminal judgment, verify via the courts fiscal office that the court was not reimbursed by an income stream resulting from the sale of bonds in the defendants name, as is the standard practice of courts.

8. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause with impunity.

9. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable.

10. Please provide verification from the original creditor that you are authorized to act for them.

11. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment.

12. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes acceptance of my contract terms to pay me consulting fees of {$10000.00} per letter and {$10000.00} per phone call.

Disputing the debt, By __________________________ Agent without recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX my husband and I purchased a home in XXXX California. The mortgage went thru Bank of America. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO Quick Claim deed executed. In XXXX my ex-husband remodified our home loan with Bank of America without my knowledge, consent or signature. The signature page on the remodified mortgage paperwork has a line for my signature but my signature is not on the paperwork. The loan was remodified from a 30 year loan to a 40 year loan without my signature. This loan has since been sold to a mortgage company called XXXX. Bank of America will not speak to me about this. When I call they tell me that they no longer service this loan.

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 2022-01-11
Company: HSBC NORTH AMERICA 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:
Two accounts were opened in XXXX  in my name in XXXX. I have never been to XXXX. The accounts are reporting as a collection/Charge Off on my credit report.

Name of account XXXX XXXX Bank HSBC Bank ( XXXX  accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Barclays XXXX XXXX Credit Card : My account was hacked. Hours and hours of attempting to resolve with phone representatives. Have not sent me my statements so i can determine with any specificity which charges were bogus. Can not get into my on line account because the hacker changed my password. Barclays sent a card to this guy under his name on my account even though I told them not to. Some person in another state who i have never met. Most importantly, despite repeated attempts to have Barclays turn off the auto pay and to close the account, they can not or will not do so.

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 2017-10-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, I am wondering, why is it that Navient does not provide an account of the interest charges that have hit my account? I can see the current interest total on a loan, and transactions of interest that I have PAID, but there is no transaction records of the Interest that has actually been charged to my account ( either weekly, monthly, or daily ). 

For example, I could have paid {$5.00} in interest one payment and I would see that, but maybe {$6.00} was actually built up in interest that week, and there 's no record of that. If I see what I think is an error, how am I to rectify that if I have no record of what the transactions of interest are? I I have reached out to Navient multiple times asking this, and I was told that I can use an Interest " Estimater '' calculator. How is it okay for a loan provider to have you " estimate '' the interest that they are charging you? I can see in my account a discrepancy on the amount of interest that I was charged one week, but ca n't rectify it without seeing interest charges. I asked for an individual interest accounting for each of my loans - as I have seen conflicting information in the web portal. What I was provided with was an accounting that had different loans combined, so it did n't help. Follow up requests did not This seems like it could open the door up to many errors. A Credit Card company or a mortgage loan provider would never tell me to use an " estimator '' to calculate my interest charges, they are explicitly laid out on the statement. 

Could you please help me understand this? Is this a practice across the entire student loan industry? I would like to have an individual account of all of the interest charges charged to my individual loans. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Social Finance, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I 've repeatedly received offers from SoFi to refinance my student loans " with interest rates as low as 2.62 % '' " plus.. an autopay discount of 0.25 % ''. I have a credit score over XXXX, so logically, I should qualify for the lowest possible rates. When I go through the prompt to get a quote, I am only offered rates of 4.875 % or higher. I think advertising a rate more than two full percentage points lower ( XXXX  basis points ) is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Prosper Marketplace, 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: Account status incorrect

Complaint:
THIS HAS NEGATIVELY AFFECTED MY CREDIT AND ABILITY TO MOVE AHEAD IN LIFE. TWO COMPANIES THAT WERE INCLUDED ON A BANKRUPTCY, WHICH HAS BEEN DISCHARGED TWO YEARS AGO IN FEDERAL COURT. 

XXXX XXXX XXXX BOTH FIRMS HAVE CONTINUED TO REPORT THAT ACCOUNT IS ACTIVE WITH AN ACTIVE XXXX AND IM MISSED PAYMENTS! 

BOTH COMPANIES WERE ON BANKRUPTCY AND WERE INFORMED BY MAIL BY MY ATTORNEY AND THE US FEDERAL COURT. 

I WANT TO SUE THEM. I HAVE CALLED BOTH COMPANIES IN THE PAST TWO YEARS TO EXPLAIN WHAT THEY ARE DOING IS BREAKING THE LAW, AS FAR AS REPORTING ACTIVE ACCOUNTS AND ACTIVE BALANCES. I DONT CARE THEY REPORT BALANCE WAS DISCHARGED THATS OK. THIS HAS PREVENTED ME FROM GETTING THE PETSONAL AND BUSINESS CREDIT I DESPERATELY NEEDED AND NEED ESPECIALLY DURING XXXX, WHICH CAUSED MY BUSINESS TO LOSE 75 % OF ITS VALUE IN THE PADT TWO YEARS. 

HOW DO I PROCEED WITH LIABLE LAWSUITS?

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 2017-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO IS TRYING TO COLLECT WRONG AMOUNT!! because i dont owe them ANYTHING, furthermore this is a LEGAL NOTICE OF FEDERAL LAW VIOLATION AS SHOWN MEMORANDUM IN SUPPORT UNLAWFUL USE OF SOCIAL SECURITY NUMBER!!! FELONY VIOLATION!!! CEASE AND DESIST AT ONCE!!! <P/>Sec. 408. Penalties. <P/>In Title 42, in support of Civil Complaints for the misuse of a persons SSN, we have : Sec. 408. Penalties. ( a ) In general. Whoever - ( 1 ) ... : ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. 42 USC 408

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out several times to the bureaus in regards to their investigation of the XXXX XXXX XXXX open on my report, it should be closed and paid off in good standing, no missed payments no derogatory remarks just paid in full. My car has been paid off and I also have my title to prove it, it was sent to me in XX/XX/XXXX after I paid off my car in XXXX. They're inaccurately reporting my car being past due and it is not. I made a payment in full. I still get calls collecting on a vehicle that I own. It makes no sense!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TRANSUNION responded to a complaint stating follow-up will be within 60 days. Law allows a 30 day window to respond.

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-07-17
Company: EQUIFAX, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation