BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: NCS, Inc
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

NOLL COLLECTION SERVICE AMOUNT : {$89.00} This is what I'm requesting for debt validation : I'm requesting the chain of custody for this account and pursuant to the Freedom of Information Act, I'm requesting all of the accounting for this account, public and private in accordance to XXXX. You have 14 days to supply this information or delete this trade line from my consumer report before and pursue litigation against you for violations of the FDCPA.

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 2017-05-20
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Collection age ncy Company Cavalry Port h as failed to provide proper verification of the account they brought from  XXXX   XXXX   XXXX . This company has not and could not provide information like documents bearing  my signature that I owe ( {$540.00} ) to them or to any company. I want signed  documentations from this company saying that I owe the amount they are trying to collect. I have written letters  to Cavalry Port about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Cavalry Port. Dont matter the original creditor have the same account number as the   collection agency.  XXXX  and  Cavalry Port different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different com panies on my credit report which neither provided proof of documentation bearing my signature stating that I ow e ( {$540.00} ) the n all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing  my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: Open Dealer Exchange, LLC
State: SC
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:
I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX  reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I checked my account and was overdrawn {$1.00} ( XXXX XXXX  and XXXX XXXX  ) I XXXX  myself {$3.00} to clear the deficit. On XX/XX/XXXX @ XXXX ( I work overnight, my check normally posts at XXXX ) I sent myself {$100.00} ( XXXX XXXX dollars ) to make a payment and to keep a couple of dollars for incidentals. I checked my account at XXXX am and was charged a {$34.00} fee for NSF. I called the bank to dispute charge and was told they would not reverse the fee because they had already done a reversal in XXXX. Which was caused by them with the same issue. Back story I have paid thousands of dollars in fees because they constantly rearrange my transactions to justify their erroneous charges. In the past I have just " eaten it '' because I really don't like to argue but in the midst of everything that is happening in the world I can no longer afford to be stolen from.

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 2022-10-12
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2022, XXXX XXXX XXXX notified Ed Finical of a vulnerability within the system. 
On XX/XX/2022, the investigation started XX/XX/2022, and concluded that personal loan information had been accessed by an unknown party beginning XX/XX/2022 and ending XX/XX/2022. 
XX/XX/2022, Letter was sent from Ed Finical stating that my personal information ( Social security number, name, address, phone number, email address ) Edfinical offered access to a credit monitoring and identify theft service XXXX for 24 months. 
No further actions were taken by Edfinical or XXXX. Millions of identitys now at high risk of having their lives destroyed because of the incompetence of a company responsible for millions of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was removed and put back on ftc violatons

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 2022-03-25
Company: Duvera Billing Services, LLC
State: VA
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:
On XX/XX/XXXX, I obtained an installment loan from XXXX XXXX to fund my vehicle repair from XXXX in XXXX, VA. 

The loan was advertised as 90 days same as cash with no interest or prepayment penalty but with an APR of 119 %. While the interest rate was unreasonable, I could not afford to pay the {$1200.00} repair at the time and urgently needed my vehicle for work, grad school and to take my kids to school and other places, so I took the loan. 

The loan was disclosed to have semi-monthly payments of {$69.00} over a 48 month period that were required to be auto payments. The first payment processed on XX/XX/XXXX and subsequent payments were made via auto payment twice every month. While all payments were made and processed including extra and irregular payments, XXXX XXXX  has reported to the credit bureau that the account is past due 30 days. 

The fact is that the account is actually paid in Full. While I have attempted to resolve this in phone calls with XXXX XXXX, but have been unable to do so. 

I have been retaliated upon for I believe paying the account off in full and avoiding the exorbitant and illegal interest ( according to Virginia code max interest rate on consumer installment loans is 35 % ). 

XXXX has deleted my online account access and refuses to update the account status to paid in full based on my last payment of {$1400.00} on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a letter to National Credit Adjusters in XX/XX/2020 requesting validation of debt.. As of today I have not received any correspondences from this company. I understand that the y had 30 days to respond to my in regards to any and all information they obtain that validates this debt and insure that it does belong to me and that they have the right to collect this debt. To be noted I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Client Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It appears that Client Services Inc. has purchased from XXXX ( XXXX ) an account. I am in receipt of a letter from XXXX, corporate council, of XXXX. The letter, via CFPB portal, states that my phone number was wrongly used. XXXX states that my phone number would not be called in the future. 

Obviously, XXXX could make that statement knowing the " account '' would be sold to another company, Client Services Inc. ( CSI ). CSI has called, but has not left a message, and has not identified themselves on caller-id, but instead uses the ID of " Toll Free Call ''. 

I demand to know why CSI is calling my telephone number. I want the unlawful contact to stop. I want my number to be removed from the account file, so when CSI sells the account, my phone number is not part of the account, file, or whatever term the " debt servicers '' call it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: ID
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:
I have student loans through XXXX. I was a young mom of 4, went to school and later divorced and a single mom. My loans have always been on either deferment or on an income contingent based plan and my payment amounts are {$0.00} a month. On my credit it shows that I have 12 missed payments from XXXX. I have called XXXX several times. I was told that my accounts came out of deferment on XX/XX/XXXX and went back in to deferment on XX/XX/XXXX. Let me be clear, that is not even 30 days. I didn't have an amount owed because they were in deferment. It shows that I do take this seriously, the accounts were current before this and have been since then. I am being severely affected in my life now from these negatively impacting my credit. I have asked if they would remove the so called missed payments and they have repeatedly told me that they can't, that I have to dispute with the credit bureaus, but they would send me a credit reference letter to make up for it. I am trying to buy a home and these 12 " missed '' payments are severely affecting my credit score. Without them I would have a 755+.

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 2022-10-12
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to FCRA laws it is illegal to for debt collector to report on my consumer report with out my legal consent. I never gave consent and i demand it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have recently received a letter from XXXX XXXX credit card stating that they will be dissolving their relationship with XXXX ( I currently hold the AMEX XXXX credit card ). They informed me that the account will automatically be converted to a XXXX XXXX XXXX. I called AMEX and asked that they " do not '' transfer any of my personal data or information to another financial entity ( XXXX in particular ). After speaking with various people at AMEX ( including supervisor XXXX ), they informed me that the only way to stop the automatic transfer and the opening of the new account was for me to cancel my AMEX card before XXXX XXXX, 2016. I explained to them that by " me '' cancelling my card, this would effect my credit report negatively. And as this action, the dissolving of the relationship between AMEX and XXXX, is not of my personal doing, this should not effect me negatively. I asked AMEX to take the action from their side, and close accounts that do not want any transfer of data/information, and they said this was not possible. This situation is quite unbelievable to me, especially in this era of information confidentiality. The consumer is being forced to accept these conditions unilaterally, one would always expect " opt out '' clauses in these situations. Please do all you can to stop this unacceptable practice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: KEYCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently moved to Pennsylvania and I have been trying to change the Title on my vehicle to my new PA address. I have contacted Key Bank customer service Auto Loan Dept. on 4 separate occasions in the past two months and I have been unsuccessful each time. Their customer service is horrible! I 've been given so many different fax numbers to send the request to and none of them are correct. Every time i call i am on hold for over an hour and then when someone finally picks up they tell me they have n't received my request or that i should fax it to a different fax number. I have 6 different fax transmissions showing it went through but they have n't received any of them. To top it all off i am calling XXXX and no one speaks English so they keep putting me on hold while they " research the situation ''. No one there knows what they 're doing. Not to mention every time I 've called the hold time is one hour or more ... and two times after waiting an hour the representative hung up on me so i had to call back again and wait another hour. So frustrating!. This customer service is unacceptable!!! My problem still has not been resolved. I want someone to call me back immediately with the correct information as to where DMV has to fax the request to change the title address to. My number is XXXX. I tried calling their corporate headquarters but the number listed on XXXX is disconnected. I was originally a Niagra First customer and had no problems until my loan was sold to this Key Bank and its been nothing but a nightmare. Auto Loan # XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
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:
I applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.

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 2021-01-10
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed the account with LVNV FUNDING XXXX several times and every time I make a dispute they go in and decrease my credit score by 23 points. The original creditors is XXXX XXXX. I think this is retaliation and predatory tactics to try and make me pay a debt that I do not owe to this. I would like for this company to be completely removed from my credit report. This is hurting my credit tremendously. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/20 a dispute was it to be reversed and then a credit was to be applied. The reversal was done but the credit was not. Without the credit my account is in a negative balance. I have contacted bank of america several times they see I did not get my credit my but they tell me that there is no time limit on how long they can take to apply the credit. I still have not received my credit it's been almost a month now. Help me please

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 2020-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Recently I apply for a XXXX XXXX credit card for traveling and it was unable to be approved. 

Because Equifax have me restricted,, as explain XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX XXXX hereinafter referred to as XXXX ' ) offers the Membership Rewards program, a loyalty program that allows customers to earn points. XXXX allows customers to transfer their points to various airline and hotel loyalty programs at a XXXX ratio. 

I reviewed my account and saw I have XXXX available points. Based upon the points being listed as available, I began to make tentative travel arrangements and other plans. 

On or about XXXX XXXX, 2016, I submitted an online request on XXXX website to transfer a portion of my points to my XXXX XXXX XXXX account, but I received an error message and a prompt to call customer service to complete the transfer. 

Accordingly, I called XXXX and and was informed for the very first time that my points were actually not available for use. This is in direct contradiction of the points being listed as available on XXXX website. I was told that I could not use or transfer any of my points for 6 to 8 weeks. 

I feel this time is extremely unreasonable and destroys my opportunity to travel during the summer. Prior to attempting to use my points, I was not notified that my points would not be available for use. Further, XXXX continues to extend time-sensitive targeted offers to me to encourage the use of the points, thus reinforcing my belief that they are available. I just paid a {$450.00} annual fee for the card and the service I 've received is unsatisfactory. 

I am seeking the immediate availability of my XXXX Membership Rewards points to use for transferring to an airline partner on my account.

Company response to consumer: Closed with explanation