BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been disputing several accounts with Transunion for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Transunion are violating my rights under this law. I sent out two separate letters to Transunion and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : -XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2017-03-04
Company: Rent Recover, LLC
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt was discharged in bankruptcy in 2015. This company Rent Recovery refuses to remove from my credit report and refuses to stop reporting. When I spoke to a rep on the phone the man said that it would not be removed until it was paid in full even though it was a discharged debt.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-01
Company: Posh RE Mortgage corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working with American Quest Home Loans to refinance my home in XXXX XXXX, California. After a lengthy process which involved numerous lock extensions and constant hassle, I expressed my dissatisfaction with the company and informed them that I no longer wished to go through with the loan because the fees were too high for a simple refinance. I was in the process of shopping for another company when I began to receive numerous telephone calls from another loan officer with their company. The man appeared to be friendly and courteous and assured me that he could get the deal done. I was still dissatisfied with how much the loan cost until I received an email from this man promising me that they would pay me {$5500.00} at the close of escrow which was to come out of their commissions. I relied on this representation by this man and signed the loan documents believing that I would receive {$5500.00} after all was said and done. After the close of escrow I received a check for only {$1700.00}. I have made numerous attempts to resolve this matter to no avail. To this day, the outstanding {$3700.00} has not been paid to me.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Rewards

Complaint:
The credit card company ( American Express ) changed my credit card from one type ( Blue Cash ) to another ( Blue Cash Everyday ) without my consent, and I would lose cash back money because of that. My current card has an annual cycle system for cash back, which means that the cash back I get depends upon the purchases I have made with this card during a 12 month period. My cycle starts on XXXX of XXXX of each year, and I get a lower cash back percentage for the first {$6500.00} I spend with this card, and after that I get more cash back percentage. This year 's cycle also started on XXXX of XXXX, and in the past 4 months, I have made most of my purchases with this card so that I reach the {$6500.00} limit as soon as possible, and start getting more cash back. Now, just when I am about to reach this limit, the credit card company has sent me a letter notifying me that my card has been converted to a different type, which has a completely different cash back system, and as a result, I would receive much lower cash back compared to what I would have gotten with the old card upon reaching the {$6500.00} limit. I contacted their customer service many times and all of their agents understood my issue, but ultimately did n't do anything other than apologizing to me. I told to the agents that this is cheating, and they said that this is a company-wide policy and they have no control on it. As a solution, I offered them to change my card after my current cycle ends, but they denied it. I also offered them to give a higher cash back on previous and future purchases to compensate for my loss, but they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

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 2016-10-26
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Both myself, family members, and employer have received threatening phone calls from Weiss and Associates stating I will be arrested in 72 hours. I contacted the original creditor and the authorized debt collector who informed they have no affiliation with Weiss and Associates. Their persistent harassment has upset me and my family. I lost control when I spoke to them last because they are not legitimate and have obliviously obtained my information through public records. The SS # and email they have do not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been working with a mortgage company for 1 week and a half now and they are unable to pull my Equifax credit score. 

I phoned Equifax on XXXX spoke with a representative who stated there was nothing on their end that was causing the problem. No freezes or fraud warnings the company should be able to get the credit score. 

Phoned Equifax again on XXXX as unable to pull the score. Again, as noted above they stated that all information was correct and the company should be able to pull our score. 

Phoned Equifax again on XXXX. I verified that my address online with them and the address my mortgage company was submitting is the same and correct. Still unable to pull my credit score- on the phone with a representative for 30 minutes trying to see what is going on. They were still no help, stated the mortgage company should be able to get the score. 

Phoned Equifax again on XXXX as the mortgage lender is still unable to pull our score. They have spoken directly with the company that pulls the credit, they stated that I need to contact Equifax again as it is nothing on their end. 

If I don't get this resolved I will miss out on the property we are wanting to buy to build our home. This is absolutely ridiculous. No one is helpful at all at Equifax customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a debt collection letter on XXXX XXXX from a debt collector by the name of Weltman , Weinberg & Reis claiming the I owed {$8000.00}. I sent this debt collector a certified validation letter on XXXX XXXX, however I was also served with a summon and complaint from this collector of which I answer the summons denying all claims of owning this debt. This debt collector ignored and refused to give me solid proof that this debt was mine. They continued to collect on this debt by filing a motion for a default judgement. I received a letter from the courts stating that the motion for a default judgement for the plaintiff was denied and that the matter was dismissed without prejudice. I did not hear anymore concerning this matter until a week ago when my wages was garnished resulting from this debt. This debt collector never validated this debt, they ignored my validation letter, and continued to aggressively pursue a debt that was not validated, and I feel this was a deliberate violation of the fair credit debt collection act. I am filing this complaint because they have violated the fair credit debt collection act with their false credit schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I co-signed a XXXX student loan for my Grandson. He is paying it currently and it is up to date. I just started receiving phone calls from XXXX @ Navient XXXX wanted me to make a payment on my student loan and call her back @ XXXX. I see no reason for them to be calling me. I have n't given them any information. On XX/XX/2017 she called two times. On XX/XX/2017 she called me three times, then I decided to start writing down the times they called. I am not answering the calls they are going to my voice mail. On XX/XX/2017 she called at XXXX,XXXX & XXXX. On XX/XX/2017 she called @ XXXX, XXXX, XXXX & XXXX. On XX/XX/2017 she called @ XXXX. I believe this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Credit card
Issue: Other

Complaint:
I asked the credit card company to allow me to join the hardship program. They sent me a form to complete in XX/XX/2016. I also sent in a payment of the negotiated amount of {$130.00}. They cashed the check and said they did not receive the form. The check was with the form. I continued to pay {$130.00} for the month of XX/XX/XXXX and XX/XX/XXXX and so on. Because they claim they did not receive the form they reported late pays for XX/XX/XXXX & XX/XX/2016 to all XXXX credit bureaus. I am wanting them to remove the late pays as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After suffering through a period of unexpected unemployment I contacted Navient to attempt to get my loan back on track. I made arrangements to pay via a " XXXX pay '' program which would put my account back into current status after XXXX scheduled payments. I gave them my bank account information and assumed that that would be the end of it. 

The next day I started receiving phone calls saying that something had gone wrong. I was finally able to get in touch with them again the next week. I was told that the automatic payment needed to be setup again, so I did. The automatic payment apparently failed again, and I started receiving calls from them about this a couple weeks later. I know that the account information I provided was correct and there were funds in the account at the time. 

I suffered another financial set-back that put my bank account into overdraft shortly afterwards, so i had to wait to weather that before contacting them again. 

I tried calling back as soon as I knew when I had the funds available but I was told that unless I made a payment that day of XXXX $ XXXX would not be able to prevent litigation. I was then forwarded to a " XXXX '' who was extraordinarily rude and confrontational. I explained the fact that my autopsy had failed for unknown reasons and that 's i could make a payment in XXXX weeks. In response she accused me of fraudulently providing them an incorrect bank account number or not having funds in my account. She continued to berade me for my inability to " balance my checkbook '' even when I explained my financial hardship and recent unemployment and repeatedly accused me of fraud. When I requested to speak with her XXXX or any other superior she refused to allow me to speak to them and threatened me that they would receive a file on the pending litigation instead the next morning. 

When she did nothing other than continue to yell at me while I attempted to ask her about alternatives to litigation, I hang up and called their customer service number again. I stayed on hold for an hour before I had to hang-up to return to work. 

Navient seems to be unable to accept payments from my bank for unknown reasons, has XXXX who are only interested in berating customers who call to attempt to make their account current, and has wait times that make it impossible to get ahold of them during their office hours without missing work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Collection Consultants of California provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient fails to give me the best options for repayment on my private loans. I have told them numerous times that I can not pay such a high repayment and many times I have been given different estimates for repayment or no option for repayment, but just an amount for the month to keep my loans in good standing. More so, the employees have been very rude and telling me there is nothing they can do for me. They contact my co-signer at all times and they have only co-signed on one loan. Futhermore, they would like their bank statements in order for me to enroll into a rate reduction plan when I was informed by a manager that the loan the co-signer signed on was not apart of the rate reduction plan. Navient does not communicate well and does not give the best options for private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Enhanced Acquisitions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a collection call from the XXXX XXXX regarding a payday loan dating back in XXXX. I have already attended court procedures ( XXXX meeting ) for my Chapter XXXX Bankruptcy, on XXXX XXXX XXXX and currently waiting on discharge. The collection company has my attorney 's name and contact number. My attorney called them on XXXX/XXXX/XXXX at XXXX and this company would not provide any information regarding who they were representing.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX-C/O Levy and Associates deliberately violated the Fair Debt Collection Practices Act ( FDCPA ) by not allowing me to protest the supposed debt that they are trying to collect. The very first time that I have heard about this Company is when they filed a lawsuit with the XXXX XXXX XXXX Court seeking a default judgement. This Company has currently XXXX consumer complaints filed by consumers to the Ohio Attorney General 's office due to their unlawful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a settlement that I am paying off through Attorney XXXX at XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Credit Systems International, Inc.
State: TX
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Mobiloans, LLC
State: FL
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I was applying for a loan from mobiloans.com and they said my social security number was not in there system but when i go on their site they say it is. this was my first time ever applying with this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is one digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found two different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
On or around XXXX XXXX, 2016 I called American Express to report fraudulent transactions ( which i became aware of when i went online to make my payment ). The fraud investigator asked if I had my card, I replied that i did not. have a few more questions he asked me to identify all the unauthorized transactions. Therefore I informed him every transaction from XXXX XXXX ( from XXXX {$120.00} ) through XXXX XXXX ( XXXX XXXX XXXX {$26.00} ) were not authorized by me. He specifically asked about a few XXXX purchases, I informed him I did not have a XXXX membership and none of those purchases were mine or authorized by me. Incredibly, this investigator began literally interrogating me, asking at least a dozen questions. Finally, i interrupted him and informed him the questions he was asking seem ridiculous and over-reaching of my obligation. I requested an investigation and re-affirmed my dispute of these transactions totaling over {$5000.00}. 
Over two months have passed and American Express has refused to remove the disputed transactions, refused to provide any details of their investigation, have restricted my account, charged me late fees and increased interest rates. 
I thought investigations must be completed within 60 days and/or 3 billing cycles? Well, we have elapsed both. Additionally, twice by phone and once by letter, I firmly requested all communications were to be conducted by USPS or email to make sure I have accurate documentation, since I do NOT trust American Express to provide recorded information. However, American Express has continually called me 4-5 times every single day.

Company response to consumer: Closed with monetary relief