BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: Risecredit, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got a loan for the amount of {$2000.00} XX/XX/XXXX. I was in need of cash because I had just XXXX XXXX XXXX. Covid hit my job pretty bad. Every time we got a case we were sent home without pay. This has caused me to call and discuss the issues with RISE CREDIT.COM  and see what options that I had. They informed me that the payment could be deferred but they would keep accruing intrest. I have been making payments of XXXX every two weeks now because the loan is now XXXX way more the orgainal amount of the loan. I was affected by covid really bad and this company would not assist. I now have a loan that is impossible to pay of because of the interest. I reached out to them to ask them if some of the intrest could be waived so that I am able to afford to pay it back. They would not work with me and only told me the payments would get higher. I am crying right now because Covid was out of my hands and I tried reaching out to them and nothing was working. I just want them to excuse some of the intrest because if that wasn't so high I would have paid this loan off. I have already paid the XXXX off plus some but the loan amount is not going down. I reach out to them and plead my case but they will not assist and state that covid is not their problem either. Even when I didn't have the cash I tried to make payments and whe my job closed I called them and they just added more on. I even tried to refinance the loan so that it can be made more affordable and they still would not help. Please assit with anything that you can do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your Name Your Address Your Phone Number Credit Bureau Credit Bureau Address Date RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Experian and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 
XXXX XXXX XXXX  -Business inquiry Inquired on XX/XX/XXXX XXXX XXXXXXXX-Business inquiry. 
Inquired on XX/XX/XXXX XXXX XXXX  Business inquiry Inquired on XX/XX/XXXX XXXX XXXX-Business inquiry Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. 

Thank you for your diligence in looking into this issue. 

Sincerely, XXXX 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 2023-04-06
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: MOHELA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received notification from MOHELA on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. MOHELA failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

MOHELA also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

MOHELA is a financial entity acting as an extension of a government entity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX was canceled it was for my niece once she was unable to go I canceled and then this appeared on my credit report. They also illegally obtained my social security number because I didnt give it when I signed up for my niece we were both actually underage at the time I was XXXX and she was about XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, I owe no debt this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX car rental agree not to take a additional XXXX $ holding deposit from my account, but later on tried to debit the XXXX and it over drew 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 2023-04-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a business account with Silicon Valley Bank that was closed by the Federal Deposit Insurance Corporation ( FDIC ) in XXXX of XXXX. I had a checking account balance of {$620000.00} in my business checking account at Silicone Valley Bank. I have contacted Silicone Valley Bank countless times regarding my business checking account at Silicone Valley Bank. Silicone Valley Bank is unable to locate my account or money. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: GOLDMAN SACHS BANK USA
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: Public record information inaccurate

Complaint:
I've been through the whole pandemic without one miss payment and nor have I asked the creditor for an extension. This past month, I totally forgot about a payment. I wasn't sent any reminder or anything. Well, Needless to say, I received an alert for from XXXX about a 30 day late mark on my credit file. I called the lender immediately to discuss and to let them know I can make the payment today and to please give me a removal courtesy. I satisfied the payment and there were no guaranteed of the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: MORTGAGE FIRM, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I contacted the Mortgage Firm who then purchased our loan within 10 days of closing from another branch of The Mortgage Firm in XXXX, Fl. We closed on XX/XX/XXXX, with escrow being collected for both taxes and insurance. On XX/XX/XXXX, while in my online mortgage account I noticed that my mortgage had dropped down in the monthly billed amount of {$950.00} to {$850.00} with no explanation or documentation. Therefore, my escrow account is short with no explanation as to why after we have spent hours asking the mortgage firm questions. I called because in XXXX of XXXX my wife was notified that us nor is it listed in our loan portal. Now our mortgage payment just went back up again with no explanation as to why. We have a log of all of the Mortagage Firm staff that we have spoken with including today 's with the exception she refused to give me her name at the XXXX XXXX Fl XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX, after being advised on multiple occasions via the channels that have serviced my student loans with American Education Services ( AES ) /NCT, I was advised by AES XXXX that they are unwilling to assist me with placing my student loans on a Natural Disaster Forbearance for several natural disasters which have affected my employment including the Bond Wildfires in XX/XX/XXXX, and the California wildfires in XX/XX/XXXX, both as declared by XXXX XXXX This, in addition, to the severe hardship I am still encountering due to COVID-19 financially and medically, as explained to AES Servicing on multiple occasions via phone and in writing. 

AES is arbitrarily denying my request for assistance, even in lieu of the Natural Disasters for which my loans qualify. In addition, in working with AES, I was advised that they are able to complete an in-house Exception Forbearance when the lender ( NCT ) does not respond, and at present are now seemingly unwilling to do so even in lieu of processing this previously and advising me that this could be done again should my severe hardship perpetuate as it has. I feel that at this time, I am being unfairly treated by this company, whom is unwilling to assist me during an exorbitantly difficult time, even in lieu of all of the documents requested being provided including proof of unemployment due to COVID-19 and the documented natural disasters as described. I have also contact AES XXXX XXXX XXXX XXXX, and the Executive Office, with my contacts going unanswered by the Executive Team. 
At this time, I am requesting immediate contact from executive management to assist me in placing these loans in a Natural Disaster forbearance as previously promised and advised to me via these avenues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent numerous dispute letters to all three credit reporting agency and never received a response or documentation stating these items belong to me, on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i sent my XXXX letter with no response, on XX/XX/23 i submitted a complaint, on XX/XX/23 i submitted another dispute with my FTC report and never received a response, i been addressing this issue several times with the credit reporting agency with no results.

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 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans Union CRA is reporting an inquiry submitted by XXXX for dates XX/XX/XXXX and XX/XX/XXXX. I did not authorize or give permission for XXXX to pull my credit for those dates. Therefore, I am requesting that XXXX  to update their system reflecting this information and send to Trans Union to have these inquiries removed 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 2018-09-17
Company: EQUIFAX, INC.
State: WA
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:
Equifax has listed an inaccurate item on my credit file and I have requested on numerous occasions to have the item removed as soon as possible, yet it is still being reported inaccurately. Equifax sends a response stating that they have verified the account belongs to me and continues to report the inaccurate item. This inaccurate item ( listed below ) is affecting my credit score and livelihood. Both XXXX  and XXXX have deleted the same erroneous account from my credit file. 

Here is the erroneous account Equifax has listed. Please delete this immediately. 

1. XXXX XXXXXXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Never gave Navient consent to report on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I sign up for a credit card from Barclays Bank. I thought there was no annual fee but apparently there was no annual fee in the first year but there was in each year thereafter. I made a few purchases on the card in XXXX and paid them when they became due. 
In early XX/XX/XXXX I received a statement dated XX/XX/XXXX advising me that I was to be billed next month for an annual fee of {$99.00}. The statement went on to state : " You may choose to call us at XXXX within 45 days of receipt of this notification to discuss alternative products that may be available or to close your account so that the fee will not be billed. '' My wife and I each thought the other had called to cancel the card but when I received a download into my accounting software of an annual fee charge I realized that the account had not been cancelled. I immediately called the number on the statement and asked to cancel the account. The call was made on XX/XX/XXXX at XXXX XXXX XXXX and I spoke to XXXX. After checking with his supervisor, XXXX advised me that I would have to pay the annual fee and that the bank would mail me a check to refund the fee within 60 days. I pointed out that the bank 's own notice said that if I called within 45 days ( I called within 32 days ) that " the fee would not be billed ''. In response I was told that since the fee was already on the XXXX statement, I would have to pay it and that the bank could not reverse the charge. In addition the bank advised that if I didn't pay the charge by the due date I would be assessed a late fee and interest. Since the bank will not honor its own written notice, I have no confidence that if I pay the annual fee that I will receive a refund based on an oral promise made over the phone. Also, loaning the bank {$99.00} for two months is not fair since they promised to not assess the fee if I called within 45 days which I did.

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 2023-04-21
Company: EQUIFAX, INC.
State: AL
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:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete. 

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 an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: AL
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, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on XXXX ) have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-04-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried to contact TRANSWORLD SYS INC/XXXX company multiple times, last date of attempt XX/XX/2021 XXXX, all 3 times they hang up or ended the call when they were informed that they needed to provide the appropriate information of the owner of such depth ... they couldn't locate with account # or even Name of the supposed owner of account.. they insisted on a SS #.

Company response to consumer: Closed with explanation