BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am the co-signer on a student loan for my son received in XXXX from XXXX. After some time XXXX took over the loan. My son graduated from college in XXXX. I completed a chapter XXXX bankruptcy in XXXX. Transworld Systems , Inc. sends me a collection letter. This loan has a charge off date of XX/XX/XXXX and the charge off amount {$24.00}, XXXX. My most recent telephonic conversations with Transworld results in a settlement of {$10.00}, XXXX. I asked them to confirm this agreement of {$10000.00} in writing to protect myself. The payments would be {$2600.00} for XXXX consecutive months. On XX/XX/XXXX I was told the letter requested would arrive in 7-10 business days. The letter did not come. I called back XX/XX/XXXX was told letter was not sent ; but now we will send. On XX/XX/XXXX I called to see if letter was sent. No letter sent. A manager, XXXX -- XXXX, told me to " trust '' them ; that if after I send all the money if there is a problem, he would confirm the settlement agreement. CFPB I would like to start sending the payments while I have assistance from family, but I do not want to get " burned '' when Transworld sends a collection for the amount I will save with this settlement. Otherwise, I am retired and on a fixed income. My son will be contributing to this reduced settlement. I just want some form of evidence to support the agreement of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX XXXX I paid {$320.00} to XXXX, for internet and cable TV. This payment included an early termination fee, the current monthly fee, and was paid in full to close the account entirely. Around XX/XX/XXXX I was notified by SW Credit Systems INC that XXXX had sent me to collections over the matter of {$82.00}. I immediately called XXXX and was told by a customer representative that the charge was erroneous ( especially in consideration that we had not been contacted once about the bill ) ; I then relayed the ticket number for this erroneous charge to SW Credit Systems INC. On XXXX XXXX XXXX I spoke to another representative of XXXX who stated that the mistake was now on my part and that XXXX would not honor its previous intent of retracting the billing. As of today, XXXX XXXX XXXX, I have paid the bill to SW Credit Systems INC since it has impacted my credit. Additionally, I spoke to a XXXX representative who could not verify why this charge had been generated as an early termination fee if we had not seen any additional charges for XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-08-14
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This Company has an Alleged Debt and is Reporting my private information that is not Verified and or Accurate and is in Violation of the FDCPA and the FCRA federal Laws, this name is also a COPYRIGHTED name and has Legal ramification.

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 2015-12-14
Company: RMK Financial Corp
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Hi, My loan officer submitted our loan to Magestic home loans around XXXX of 2015. Magestic home loans have made number of mistakes on every level of the loan and kept charging us for their mistakes. Their mistakes were as follows. 
1. Our appraisal value came higher than initially expected. Our LTV came down from XXXX % to XXXX %. The underwriter forgot to adjust our LTV. at XXXX % we were getting 4.750 so we floated for almost 1.5 months for rates to come down, finally we decided to lock at 4.750 % the file went to the doc department, Doc department realized that LTV is lower than it should be, which underwriter forgot to adjust. Now our LTV was changed to XXXX % and our rate came down to 4.5 %. Had the underwriter adjusted our LTV we did not have to wait 1.5 months floating. 
2. Our HOA master policy was provided to the underwriter she signed it off along with all other pre doc conditions. Since all conditions were signed off our loan officer locked for 15 days to sign docs and fund. ON THE DAY of the Funding underwriter realizes that she forgot that the master policy did not cover XXXX in walls. Our lock expired, our file went for redraw. we were charged for relock, and redraw fees. 
3. our file was impound, and on the original docs lender requested 3 months reserves. on the redraw docs, for some reason 2 more months of reserves were added. Which means they had miscalculated the reserves on the initial docs as well. Now since reserves came high we decided to not impound the file anymore. we signed redraw docs and were told the file will fund on Monday, the last day of our lock extension. 
4. On Monday on the day of funding and our last day of our lock extension we received news that they can not fun and they will redraw again because the doc drawer forgot to add the price adjustment for taking the file off of impound. Now they have to redraw again, re lock again. 
They are keep making mistakes, and keep charging us for their mistakes. The lender is not bearing any cost of all these mistakes and they are keep passing all the costs to us. We are beyond frustrated. The management or lender is not responding to our email, or to our loan officer 's emails. We get no apology 's no explanation of why we have to pay for their mistakes instead of the lender themselves. We have paid for the appraisal and other if cancel we will bear costs, if we do n't cancel we will pay for host of their mistakes. Please advice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: VA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2021-08-30
Company: Atlanticus Services Corporation
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: Account status incorrect

Complaint:
Fortivia continues to report and confirm that my account delinquent from a period of XX/XX/2019. This information is incorrect and I was never late. In complaint # XXXX-XXXX/XXXX  Fortiva responded that they have directed the credit bureau that my account was never late and said XXXX  needed to correct the information to allow 5 to 7 days for that to occur. I submitted a dispute with XXXX  and XXXX. In response XXXX  indicates that when Fortiva was contacted by them regarding the dispute Fortiva is confirming that the account was delinquent. In complaint # XXXX-XXXX  XXXX  indicated that as recently as XX/XX/XXXX Fortiva was confirming the delinquency. I have received several letters from Fortiva that this account is being reported delinquent yet they are continuing to seen electronic feeds to the credit bureau 's that this payment on XXXX of 2019 was 30 days late. This incorrect information needs to be removed from my credit bureau reports. Fortiva needs to fix this electronic feed that is reporting incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  # XXXX XXXX, XXXX XXXX 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 ) 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 please this is hurting my credit. Im in the process of purchasing a home. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Inaccurate/not verified XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX Inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CAINE & WEINER has submitted to the XXXX credit bureaus a collection account for XXXX that does n't belong to me. I have had XXXX communication with them and all of a sudden there appears this collection account. The account does not belong to XXXX it is fraud and needs to be removed. I have attached a police report and FTC affidavit. Please remove and cease collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: ND
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 received a message from Equifax that a Hard inquiry had been added to my credit report. Knowing that I had not applied for anything since XXXX  of XXXX, I went on to investigate. The Inquiry is from XXXX XXXX XXXX- Personal Loans and it states the inquiry is from XX/XX/XXXX. 

I immediately disputed with Equifax and have still been unable to open the PDF that was sent to me with their decision. I called and they stated that I would need to log on to your web site and file a report in order to get the hard inquiry removed. I have also added a freeze to my accounts so hopefully this can not happen again. 

I also tried 4x to contact XXXX XXXX XXXX, 2 times I was left on hold, the other 2 times I was transferred to a manager, no names given, and left messages only to not receive any communication back. 

I would like to get this removed from credit report as this is something I didn't apply for and would be very interested on how they got my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted collection company, LVNV FUNDING LLC twice in the last couple of months ( between  XXXX   XXXX  -  XXXX   XXXX   ) to try to get some information on a collection account that was on my credit report. Spoke  to the agent and said I was going to dispute the issue because I did not open a credit card with  XXXX   XXXX    XXXX    which debt amount is {$710.00}. I wanted to know when the account was open, if the bank statements could be made available, etc. The agent said a package would be sent out with all of the information I needed. Months later still no package and I have not been contacted by a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: R & B Corporation of Virginia
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
they cloesed the card after a XXXX  when it was supposed to be incressed

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 2022-08-25
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Late fee

Complaint:
My XXXX credit card was closed on XXXX XXXX before I could pay the full balance due on XXXX XXXX. Its website states " The balance on your XXXX XXXX XXXX XXXX XXXX has been transferred to your new card account with Citibank. Citibank will communicate with you regarding your balance ( s ). You will not be required to pay your balance in full to XXXX XXXX as a result of the transfer of your card account to Citibank. XXXX However, Citi charged me an interest on XXXX XXXX, when I received the first bill. This is the FIRST time citi communicated with me regarding the remaining balance transferred from XXXX. I was never late on any payments, and this happened simply because of the transition, so Citi should grant a grace period and waive the interest change which they refused to do.

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 2021-10-24
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE Group keeps sending me collection notices in the amount of {$170.00} since XX/XX/2021 The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion did not cancel my subscription leading to ~9month of charges for services that was not used. In total, it amounts to {$250.00} of charges that I was not notified around. Tried to cancel several times over the phone and told it was cancelled but the charges continue to happen.

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 2016-08-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank closed my credit card account without warning or notification. They say its because I filed bankruptcy but I have told them several times I have NEVER filed bankruptcy in my life and it is a mistake. They said it would take XXXX5 business days to investigate. After 6 business days, I called and was advised to wait another XXXX5 business days. I use this account everyday and I travel frequently and this is causing a hardship. I want my account reinstated immediately due to Citibank 's error.

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 2021-08-30
Company: Eastern Account Systems of Connecticut, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I moved to Indiana around XX/XX/2019. We subcribed to XXXX for T.V. Internet service against the advice of other residents that had the service. The service was so bad that we couldn't watch TV because it kept buffering and dropping.We always had a hard time reaching tech support and customer service. We canceled the service within 2 months and returned their equipment. They sent our account to collections to Eastern Account Systems and it's on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Frontier credit card through Barclay Card. When I applied for the card online it was indicated that there would be no annual fee for the first year. I saw that I was charged for a {$79.00} fee. 

I called the first time after originally seeing the charge and they said it would be refunded after I met the intro offer which also came with XXXX bonus miles. 

I called a second time after it had not been refunded and they informed me that the fee would be returned at the end of the calendar year. I thought about this and decided that this was not the original agreement and I didn't think it was fair to charge me and keep the funds for 1 year before returning the fee. 

Today I called a 3rd time and they told me that this had been escalated and that I was not eligible for the annual fee to be waived for the first year. I informed them that I would escalated this complaint through an outside agency as I did not agree with this and opened the card with the understanding that I would not be charged an annual fee the first year.

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