BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX billed me after I canceled service in my name and moved from XXXX  to XXXXXXXX XXXX. Never received notification or mail that I owed XXXX. Never knew my debt went to collections to CMI Group ( Credit Management ). Never received mail notification from debt collector. Checked my credit last week to purchase a house and learned I had a XXXX point deficit to my credit score because of a unpaid XXXX XXXX  bill I had no clue existed. I called to dispute but never received help or guidance. I paid the full bill owed to the collection agency as soon as I found out about this in hopes to repair my credit score 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 2021-09-17
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX I was struggling to make rent and I got a letter from CashNet USA and applied for and recieved a {$2600.00} loan. I believed at the time that the re-payment would be {$210.00} a month, which was okay with me. However after I recieved the loan they began taking {$210.00} every two weeks from my bank account. I attempted at that time to call and try to set up a different payment schedule, because I knew that every two weeks would be too hard for me. I have managed to pay every month until now, I simply can not afford it anymore. I called again today to try to work something out where I could pay once a month. 

They refuse to offer any other options and when I call to speak with a collector they tell me that i CAN NOT speak with a manager or anyone above them. They are rude and threatening and bullying. How is it possible that there is no manager or anyone at all to speak with? I am not trying to get out of repayment, I am simply trying to figure out a schedule that works so that I'm not constantly going negative and in turn getting charged over and over by my bank. I cant live like this anymore it is destroying my life. 

Also, I have been paying this every two weeks since XX/XX/XXXX and not one of my payments has gone toward my balance, they are only going toward interest. Is this even legal? This was only a XXXX loan and they are making me pay back XXXX!! Is this legal? 

When I spoke to the woman today I asked why this doesnt show up on my credit report because it makes it look like scam and she said 'you should be happy its not on your credit report ''. I have now read many complaints online saying that this loan is a scam and that the APR rates are illegal. I don't know what to do and I am looking for help to find a solution. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been paid off since XX/XX/XXXX ( {$18000.00} ), but Kia refuses to report it as " paid/ closed '' so that it will reflect as such on my credit report? In any event, I've spoken to several representatives and received several different responses over the last month or so. Today I was told to dispute it or otherwise continue to wait. Unacceptable! 

Also, to add insult to injury, I am now being told that the prorated refund from my payment made on XX/XX/XXXX of {$310.00} will not be paid? Please advise. 

Vehicle Description : XXXX XXXX XXXX XXXX # XXXX Customer Name : XXXX XXXX Account Number : 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 2022-03-23
Company: EQUIFAX, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act, XXXX, XXXX and Equifax has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXXXXXX XXXXC 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 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. ftc report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Upstart Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved for and incurred a debt consolidation loan from Upstart ; however, Upstart has not disbursed funds on the loan. The loan is accruing interest, and I have made my first payment on the loan. I have also personally paid off the debt this loan was intended to consolidate. I have called Upstart daily requesting information on the status of the disbursement but have not been helped. I have requested they provide a new amortization schedule for the loan based on a new disbursement date or cancel the loan altogether, but so far they are not willing to take any action on my behalf. The loan is reporting to the bureaus and is affecting my credit score. Please help me resolve this by either receiving the funds or terminating the loan altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I will file MONTHLY REPORTS with the CFPB until either my Student Loans are PAID IN FULL or Navient is HELP LEGALLY RESPONSIBLE for their DEPLORABLE BEHAVIOR! 

I don't expect this company to actually resolve my problems as that is not their modus operandi. However, I take solace in the fact that each complaint will cost Navient money when they have to research and respond. Each dollar that you have STOLE from me will be extracted in this manner.

Navient is the most crooked Student Loan Provider in the  industry! They steal a living off the back of working families and when that is not enough to satisfy them, they steal from the US taxpayer. 

Unfortunately, I fell victim to their battle cry " forbear them, forbear them, make them relinquish the ball ''. 

I have sheepishly relinquished the ball to Navient and their predecessor Sallie Mae for over 16 years and as of today, my balance is nearly the same as it was on day 1.

If the executive leadership at Navient or their predecessor Sallie Mae had any ethics whatsoever, they would have informed me that an Income Based Repayment Plan was my best option. This option was NEVER DISCUSSED WITH ME until all my deferments & forbearances had been exhausted! 

Why did you wait until 2018 when all my deferments & forbearances had been exhausted to tell me about the Income Based Repayment plan? 

Why did the company 's representative convince me that forbearance & deferments were my best option when in fact an Income Based Repayment Plan would have resulted in my loans BEING PAID IN FULL OVER 5 YEARS AGO?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Credit Card Member Services re-opened an account in good standing that was closed based on another person had called to state per my request. The credit card company did not check with me whether I made the closing request, nor did it asked the caller for written documentation. 
In opening it failed to activate the credit line and the card works as if closed, such that previous auto-pays bounced back unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
A debt collector called National Credit Adjusters or NCA appeared on my credit. I have tried several attempts to have this fully investigated by asking for NCA to provide the IP address. ( If this was done online ) Also I asked NCA to fully itemize the statement, prove my signature, time and date of opening of the original account, etc. I also submitted a complaint to the XXXX for help however they stated their assistance is very limited in debt collections. The original creditor is XXXX XXXX XXXX XXXX XXXX. NCA reported to the credit bureaus that this account was opened XX/XX/2020 ( 1 yrs, 6 mos ). I absolutely did not open any account with XXXX XXXX XXXX XXXX XXXX. I dont even know who this company could be. I tried disputing with XXXX stating I cant believe I have to prove my innocence. I did not open this account. They asked if I wanted to file this under fraud or identity theft and I told them I dont know because I dont know how this appeared on my credit because it isnt mine. The customer service representative mustve disputed it under fraud and locked my credit file ( without my permission ). I am not sure if this is fraud or identity theft or a case of mixed information. There is another family member with the same name. Regardless, this is not mine. NCA sent a response back to XXXX stating they couldnt discuss anything with me for 30 days because its filed under fraud. Yet I have disputed this on multiple occasions prior and they did not produce a full investigation. A full investigation must take place including IP address location, etc because this was not opened by me. Please help. I am an honest person and fully agree that I need to pay my bills and I do and will. I take full credit for my bills. This is NOT mine. Please can you help me. I would absolutely pay this if it was mine. But it isnt. I do not know how this appeared on my credit or who may have tried to open this in my name but I did not open this. I would not waste my time and energy on this if it was valid. Possibly NCA made a mistake or someone used my name and social. I did have my social security card and birth certificate stolen from the apartment I lived in at the time of this opening. I did not report to the police due to being afraid of the neighborhood I lived in and I worried about repercussions from my landlord and maintenance crew.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: McNeil & Meyers Asset Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to the collection agency XXXX XXXX XXXX regarding three collections accounts from them that are on my XXXX credit report and received no response. I requested debt validation because I have no knowledge of these accounts nor have I ever been contacted by this agency regarding them. Two of the collections are actually for the same amount of {$2500.00}, which seem to be a duplicate of one that is being reported twice. The third collections from them is for {$1500.00}. It shows opened accounts XX/XX/XXXX. I have no knowledge of the opening of these accounts and have no idea for what these bills are even for. A debt validation letter was sent to them around XXXX XXXX and I have not received any response from this company. They have failed to provide me the information I requested to validate the alleged debts they are reporting. This company is unethical and possibly fraud for ignoring my letter which requested them to provide the validation of these alleged debts. I have also filed a complaint with the XXXX. These collections need to be removed immediately from my XXXX credit report!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Company: Experian Information Solutions Inc.
State: NV
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX, XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information XXXX, XXXX and Transunion is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against XXXX, XXXX and Transunion Warm Regards 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted dispute with CFPB on XX/XX/24 for the following item : XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. Simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' with this account. This account was never legally investigated or verified. You're reporting false info. 

XXXX XXXX XXXX I was never late on this account, please send me the docs that prove that I was ever late, I cant figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to this company, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: MS
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:
Please have the credit bureaus investigate these accounts below from my credit report that are reporting inaccurately and that does not belong to me, if it belongs to me please send in proof beyond following the guidelines in the dispute letter below so me and the CFPB can see exactly which company is reporting these items to you that doesn't have my consent to share my data.

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