BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: State Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
State Collection Service , Inc XXXX XXXX  XXXX XXXX, WI XXXX I discovered a debt belongs to my late wife in my credit report. 
This company was hired by XXXX XXXX XXXX in XXXX Maryland last XX/XX/XXXX. I paid the debt in full for the final bills they never sent to me after my medical insurance paid them {$17000.00}. 
I paid {$370.00} in postal money order and sent to XXXX XXXX XXXX on XX/XX/XXXX as agreed with a representative in their billing department. 
On XX/XX/XXXX this collection company updated the debt {$370.00} as current. This is Fraud and false information for the debt no longer exist. Today XX/XX/XXXX I contact and leave message and a written explanation to ask them to verify the debt and remove all negative remarks and not accurate information from my credit report. 
I also call their consumer relations leave message. Everyone at their company are notified. 
US Postal Money Orders XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Maryland Mailed Certified with Return Receipt I am asking the FTC Consumer Protection to fully investigate this company and their bad business practices hurting consumer like myself. I am a citizen of this country and a XXXX XXXX, and this is how they repaid me for served this country for shady business like this in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: AZ
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a 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 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 or 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 2023-01-09
Company: EQUIFAX, INC.
State: CA
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. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Round Up Ventures, L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lendly LLC issued a fraudulent loan through XXXX XXXX XXXX on XXXX in my name for the amount of {$1000.00} without my permission. I learned about this from a debt collector - XXXX XXXX XXXX , XXXX on XX/XX/XXXX of this year. The debt collector claims I owe {$1700.00} and has reported this fraudulent account to the credit agencies. XXXX XXXX XXXX shows as the 'current creditor ', XXXX XXXX XXXX shows as the 'original creditor '. I have NEVER done business with Lendly. I have never done business with XXXX XXXX XXXX or XXXX XXXX, XXXX. I did NOT authorize any such loan and it is clear a crime has been committed by using my information fraudulently. I filed a FTC fraud claim against Lendly on XXXX. I mailed XXXX XXXX XXXX a letter requesting a debt verification investigation on XXXX. I filed a police report with the XXXX County Sheriffs Office on XXXX, case number XXXX. I am mailing have mailed the FTC Identity Theft Report and dispute letters to XXXX XXXX, XXXX and Lendly LLC on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: MOHELA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a student loan borrower that has successfully completed 120 payments and qualifies for XXXX XXXX XXXX loan forgiveness under the terms of my current student loan. Under the previous loan servicer I was able to update my employment history at anytime to certify my employment that ultimately approved my qualifying payments. My last qualifying payment for this loan was in XXXX of 2022. I finalized and submitted my last piece of documentation to XXXX XXXX ( old loan servicer ) in XXXX, 2022. I then received information that my loan was being transferred to MOHELA. MOHELA did not have record of my final documentation to forgive my loan. I created and sent an additional final document to MOHELA in XX/XX/2022. I am still waiting to have this processed or any useful information sent to me. There is virtually no way to contact MOHELA as wait times on the phone have been 2-3 hours on hold and I have had to hang up. They also say that my form needed 90 days to be processed. 90 days is 3 months of paying for a loan that I should have forgiven. I see that there are many claims of other customers that are in my same position. We all want our loans reviewed and forgiven or at least acknowledged as customers, instead of waiting 90 days for a form response. I know there is a government freeze on federal loans but I want this taken off my credit report so I can financially do other things with my life. I have dedicated my entire career to public service for this opportunity and it has now been 7 months of no information or ability to properly contact the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On   XXXX   XXXX   XXXX   the amount of {$860.00} was auto-debited from a checking account for a monthly federal student loan payment. This was {$520.00} over the agreed amount and what should have been debite d ( {$340.00} ). I hav e physical paperwork mailed to me from  Navient  which outlines starting  XX/XX/XXXX   XXXX  payments of {$340.00} would be made followed by  XXXX  payments of {$860.00} starting   XXXX  . When I spoke to a representative at  Navient  on    XXXX   XXXX   XXXX    I was informed that they did not see that information in the system and in order to be given a refund I would need to mail or fax in a research request asking for the refund and to also submit proof that the money was debited from my account. That process takes  3-4  weeks. I was also informed that if I were to get a refund they would not be able to refund the {$520.00} overage amount they would refund the entire payment which would make my account delinquent. In order to avoid this I would need to apply for forbearance which reflects negatively on my account. I asked to speak to a supervisor and if there was anything that could be done as this payment caused my account to go negative and my budgeted living expenses were taken by  Navient for the  month. There were no resolutions from this call. My account has been current with all payments made on time since receiving the correspondence from Navient  XX/XX/XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had taken out a student loan years ago around XXXX to XXXX with a lender to assist with rent and other payments while attending school. I later consolidated this loan for a lower interest rate with one other loan at the time. I was admitted to the hospital in XXXX which caused me to get behind on many bills. In XXXX, I filed a XXXX XXXX Bankruptcy and my private loan with XXXX was included in this bankruptcy and the debt was XXXXscharged under a normal bankruptcy proceedingXXXX XXXX was served properly, and it was listed as student loans in the bankruptcy proceedings. I was informed by the clerk and court that this debt was discharged under a normal bankruptcy proceeding and therefore the lender should no longer be able to collect on this debt. At the time of the bankruptcy, the amount of debt was only {$39000.00}. This amount was to be removed from my credit ( which it was ) but later returned when Nelnet stated that they now service this loan. Nelnet has been collecting interest on this loan from the time they state that they took over, which interest is now in the amount of {$13000.00}. During the time of Covid, all student loans and interest were deferred due to Covid and I was instructed except these two " private loans '' and that interest would still occur. I stated that these loans were discharged and provided copies of the bankruptcy proceedings and requested a forbearance until this was straighten out. 

I filed a complaint with CFPB previously and their response was that once the bankruptcy is completed that my loan servicers are notified again to return your account back to repayment status. Nelnet was not notified to return this private loan back to a repayment status, and if so, then they need to provide documentation which shows that this loan was to return to a repayment status. What gives Nelnet the right to dictate the law especially when this was discharged? 

Nelnet has no right to be servicing this private loan that was originally with XXXX lenhder and discharged completely in a bankruptcy. Someone needs to look in to this as Nelnet is taking advantage of the situation entirely. Nelnet sent a letter but I want proof for where they received something showing that this loan was to be returned to a repayment status. When a JUDGE informs me that this was discharged debt under a normal bankruptcy proceeding, and Nelnet is trying to collect, something is obviously wrong. This debt needs to be removed along with all interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was sent an email back in  XXXX  that I would receive 10 % cash back from  XXXX  to  XXXX   XXXX  in the form of a statement credit for purchases made on  XXXX . I still have the email saying I was enrolled in this offer. I spent thousands on  XXXX  for  XXXX , because of this offer. I then followed up via chat on  XXXX / XXXX /  XXXX   and was told that I would receive the credit in 90 days  (  on my  XXXX  statement ). I was fine with this and let it go. It 's now  XXXX  and  XXXX  passed with no statement credit as promised. ( I took screenshots of my chat as well  ). I  get on the chat today and was told that it was " investigated by the marketing department '' and that no such offer was on my account. This is now th e THIRD time I  've enrolled in these offers on my page that have not been credited as promised. I am now extremely fed up wit h American Express  and once my credit card is paid off I will be canceling it and I will never do business with your company again. This is extremely unethical and I 've now found numerous forums with people having the same issues as I am. Do n't offer " offers '' at all if you ca n't honor them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: AFNI INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been receiving hourly phone calls from Navient student loan department every day for the past week. I am a co-signer on the loan and have told Navient numerous times they need to contact  XXXX  ( who the loan went to  )  to get payment or discuss deferring his current due as he has been unemployed since  XXXX . Even after discussing this, the calls have not stopped and I receive a call from  Navient  each hour. I have nothing else to help them with as they need to speak with  XXXX . I fully understand the situation of him being late but they need to be harassing him hourly until he pays them. Harassing me on an hourly bases is not helping the situation.  XXXX  can be reached at  XXXX  or  XXXX .   I send him every call fr om Navient as  well as if they leave a message. Not sure why they are not harassing him hourly until he talks to them about his current lack of income.   Please have  Navient  stop calling me every hour. I have attached my phones call log to show the constant calls. I can show the times if needed as well but trust me the calls are hourly from  XXXX    XXXX   to  XXXX  or  XXXX . If I lose my job over the constant calls from them, my lawyer will be contacting them immediately.   Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give my written consent to report on my credit, this account had suppose to be in the business name using the EIN number according to code ( 15 USC 1681B 35 ) permissible purpose.This is a violation please remove or stop reporting to my credit report. its also reporting late according to code ( 15 U.S. code 1666b ) timing of payments and code ( 15 U.S. code 1681a definition ; rules of construction please stop reporting ASAP please and 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 2023-11-18
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started receiving calls from Radius Global Solutions, and when I picked up, they told me I owed a debt. When I asked for what they told me for a XXXX XXXX past due debt of {$300.00}. I told them I would look into it, and they kept saying if I hung up, they would call the police, and I would go to jail. I hung up and called XXXX XXXX and they told me I did not owe anything. 

The company kept calling me and I asked for proof but they did not provide anything. I told them to stop the call then I saw on my credit report that I owed money. I asked them why and how to get this off my credit report and they told me to pay. I asked why do I have to pay them for a debt I did not owe. I even have proof that I do not owe anything, and they told me to pay. The collection is still on 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 2023-11-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My Synchrony paypal card was closed and now I can't access my previous statements

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 2023-04-30
Company: OLD NATIONAL BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited a check in the amount of {$25000.00}. Four days later, on XX/XX/2023 I verified deposit and availability of funds. Bank confirmed availability of funds at just over {$40000.00}. Later that same day, I made a payment in the amount of {$28000.00} to XXXX XXXX. 

Next day ( XX/XX/XXXX ), Old National Bank returned payment as NSF. I contacted bank immediately and talked to branch manager, XXXX XXXX. He informed me bank put a hold on deposit and admitted they failed to advise me or give me any type of notification a hold was put on deposit. Again, this was retroactively done AFTER deposit made and verification of availability of funds. 

XXXX XXXX admitted mistake was 100 % on Old National Banks end and they would fix it immediately, even going so far as calling XXXX XXXX on three way call to admit mistake and correct it so we could resubmit payment. 

I was promised follow up next day which never happened. I left several messages on XX/XX/XXXX and XX/XX/XXXX, none of which were responded to. 

The only follow-up I have received from XXXX XXXX and Old National Bank was a sales pitch to try and get me to open a high yield account with them! 

As of XX/XX/XXXX, the funds are STILL not available and I have not received any further follow-up. I do understand banks have a right to hold deposits ; however, I further understand that legally they are required to provide notification of said hold. 
Old National Banks incompetence and failure to provide the legally required written notice has caused great embarrassment and financial harm to myself.

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 2023-11-18
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Hello, I am XXXX XXXX, and WestLake company is a fraud company. I never signed any agreements with this company. I never applied for an auto in the amount that theyre saying I owe. I lease a car from American Car Center. I put down XXXX XXXX on a XXXX that value price was {$11000.00}. American Car Center went out of business, and West Lake is charging me XXXX dollars, for an XXXX dollar car that I put {$1700.00} down on. Its illegal for them to put that much percentage on a vehicle that I didnt sign an agreement with them on, and not only that, but I did not take out an auto loan for. They have also seized the property, and auctioned it off. Why am I being charged XXXX for property that they seized, and sold.

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 2021-02-17
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Loan provided was for {$3800.00}, total loan payment is close to {$12000.00}. I already paid {$4800.00}, I called the company in XXXX to discuss a pay off amount, which I was willing to do by paying an additional {$1500.00} to close the account. They refused and told me the only payoff amount is the full loan amount including the interests, which is about {$7900.00}

Company response to consumer: Closed with explanation