BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}.

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 ) -- COLLECTION ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$230.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Quality Asset Recovery LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Third Request : I am a victim of identity theft and this debt does not belong to me. 
Please see the identity theft report and legal affidavit attached. 

I have also included my attorney on this case again because the collector is violated the fcra laws and is refusing to remove the collection account from my credit reports. 

My attorney below will be handling this case going forward

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 2017-08-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since XX/XX/XXXX I have been having problems with XXXX XXXX / Navient with repayment options. I been in positions when I was able to make payments on auto debit from my account but was still receiving late fees on my account even after setting up auto payments. The did not credit me back or take care of this issue which causes me to pay more money toward fees and not even towards my balance. After a few years I went through some hardship and explained to Navient the private loan department my situation, they put me in a unaffordable programs and told me that it was my only option. I made several attempts to keep up with the program and due to rising payment and additional late fees it put me in more hardship. Then I was denied XX/XX/XXXX for lowering my payments again due to hardship from over paying these loans and was sent two documents regarding a lawsuit against me for either not making payments on time or not making full amount payments. I was told even if I pay the minimum I would still be taking to court .. these payments were anywhere from 400- 1000 dollars a month and my yearly income is only barely XXXX Year. I told Navient I would be gladly to pay but I need an option that will be doable based on my income and I was denied and threaten to be sued. They harass my family exposing my business to people in my family I did n't want to know that I 'm going through tough times, they hound and call my phone several times a day. They are calling family members that I never authorized for them to call in case of an emergency. They are saying that they will basically hinder my future if I do n't pay them XXXX a month in late fees..when I originally applied for these loans I was told that these were federal loans and that I would be giving a payment based off my income as little as 0 - 60 bucks. Come to find out these loans are from a private lender and that 's why I 'm being sued. I have been paying on these loans for 4 years and my balance only dropped barley 2,000 dollars after 4 years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When apply for the loan I knew they were high interest rates however when speaking to the employee by the name of XXXX he didnt explain to me of really high interest rates 100-179 % interest rates. From what was explained to me on the last two days from customer reps and supervisors Ill be owing {$18000.00} for a {$2600.00} loan. They always say we recommend to pay As soon as possible not everyone is made of money. Being new to ever receive a loan like this I was not very knowledgeable but as a company and its honesty to its customers. They are scammers they mislead and they are shark loan. They XXXX so many ppl over. Please please anyone beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by your company on XXXX regarding an alleged debt. I do not owe this debt because I possess successfully processed wire-transfer documentation from a financial institution to your client occurring in the 1st Calendar Quarter of 2019 that paid the debt in full. ( XXXX, Reference : XXXXXXXXXXXXXX Trace : XXXXXXX ) I request all of the following information be provided to me by Registered U.S. Postal Service mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation describing debt dispute procedures.

4. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 5. Documentation showing you are licensed to collect debts in Texas. 

I request all of the following action be completed by your company and your client within 45 calendar days of receiving this letter : 1. Removal of my name and email address from any and all of your mailing lists.

2. Removal of this debt collection activity from any and all credit reporting agencies 3. Respond in writing apologizing for this fraudulent activity to me by Registered U.S. Postal Service mail.

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

Because I have documented proof that this debt was Paid-in-Full at a far previous date through an established financial institution, any action by your company or on behalf of your client to pursue collection will be considered a knowledgeable, willful and malicious scheme to defraud by attempting to collect a non-existent debt utilizing interstate communications through and effecting a financial institution. 

Your activities and those taken in concert with those of your client, constitute an on-going pattern of harassment that has taken place over a period of over 18 months and must stop immediately. I will use any and all legal means to ensure that the lawful penalties for the above-mentioned violations of United States Federal Code are enforced, to include allowable punitive damages. Legal-Liability Company status is nullified in cases of criminal activity.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification as described above, you will also be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I called and when the call went through the various prompts to speak to a customer service representative, the call disconnected. I attempted this four times until I decided to call a local branch. I spoke with XXXX ( a teller ) and she was n't able to assist me because the branches are n't on the same interface. I made one last attempt to call and finally got through to a live person name XXXX and proceeded to ask him a series of questions and when he felt that he could n't answer my questions, he told me that I had a fixed rate of 11.23 %. Okay but he did n't answer any of my questions and when I kept asking him to clarify he hung up. I decided to call from the office phone and SURPRISE I was immediately connected to a live person name XXXX. I asked him the following questions : What kind of loan do I have - simple interest, pre-computed interest, and do I have a pre-payment penalty? His reply was that I had a simple interest loan and that there was n't a pre-payment penalty. I proceeded to tell him that there was a discrepancy with my account. There 's a curtailment of {$52.00} that posted on XX/XX/XXXX and my XX/XX/XXXX payment is {$670.00}. My monthly payment per my contract is {$620.00} and I was told that I owed {$52.00} in late fees ( by which I 'm still trying to understand because this billing is so convoluted ) so why was n't the {$52.00} applied toward the late fees? He told me that the {$52.00} was automatically added to the principal. I asked him " why are you automatically applying extra funds toward the principal especially since I was told by one of the CSRs that I would have to call in if I want extra funds to be applied toward the principal? '' Looking at this account online it appears to be so erroneous and I do n't know how to go about to get some sound clarification. I also believe that my account has been flagged not to accept calls. I can not make payments online because I do n't have a checking account with them, I 've gone through the steps of adding my checking account from another bank and they made me wait two days to verify and I 'm still unable to make payments online. I had to go into the branch to make XX/XX/XXXX 's payment and I paid through my bank 's online bill pay for XX/XX/XXXX 's payment. I 'm trying to get this resolved. He made the adjustment to reflect the {$52.00} be applied to late fees and that the late fees be taken off of XX/XX/XXXX bill. He told me that it should reflect online in 72 hours and my confirmation number is XXXX. I checked my account on XX/XX/XXXX and there 's no change. I also noticed that I have a list of items marked " fees '' with different amounts but when I inquired about it one other time, the CSR could n't answer my question. I 've attempted to call, I 've written and there 's no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is CREDIT COLLECTION SERVICE XXXX I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT COLLECTION SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.CREDIT COLLECTION SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT COLLECTION SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT COLLECTION SERVICE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureaus, XXXX, Experian , & XXXX  is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureaus, XXXX, XXXX  , & Equifax is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX issued a notice of servicing transfer dated XX/XX/2019. The corresponding letter to be sent by the new servicer has not been received. As the effective date for payments to NewRez LLC is XX/XX/2019, I would have expected to also have the NewRez LLC letter in hand at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a Bankruptcy on my credit that is not mine. It is not mine. It is my ex-husband

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is HRRG I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HRRG failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. HRRG is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HRRG is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HRRG has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
All three of these companies would not remove erroneous items from my account, namely XXXX XXXX not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my PCS orders signed by my commander ), and XXXX XXXX not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.

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 2017-08-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Pioneer Credit Recovery has been calling me to my house, to my private cellphone and even my husband several times every day trying to get information about me, but about 3 weeks ago they started calling MY JOB. On XX/XX/XXXX after they called my workplace and were very rude to the receptionist, I returned the call to XXXX under reference # XXXX and asked him to record the conversation ( which he said he did ) and I explained that I am NOT allowed to receive personal calls at work and by calling my workplace he was JEOPARDIZING MY EMPLOYMENT and after that notice if they continued to do this they would be in violation of FDCPA ( Fair Debt Collection Practices Act ). XXXX assured me that they would not be calling my job anymore, he noted the account and removed the number according to him. I was the out of the office for the week of XX/XX/XXXX through XX/XX/XXXX. Upon my return, I was advised that now XXXX under reference # XXXX ( Pioneer Credit Recoverys Ref # ) and call back # XXXX XXXX XXXX.. has been called my workplace EVERY DAY that week asking for the office manager to verify my employment but she wouldnt say where she is calling from, why she needs this information or under what legal basis she is requesting my employment information. I need these harassing calls to stop. Pioneer Credit Recovery is not only harassing me but also my employer and they are putting my employment at risk by doing so. Your prompt help with this matter will be greatly appreciated!

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 2017-08-23
Company: Experian Information Solutions 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:
Experian, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of 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 2017-08-23
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:
XXXX, XXXX and Equifax are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.

Company response to consumer: Closed with explanation