BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: AES/PHEAA
State: OR
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:
OnXX/XX/XXXX I submitted my recertification for an income based repayment. I uploaded the required documents through the official FedLoan website. A week later, it was denied. When I called back, the representative explained that on their end, reviewing the documents and requirements, there was no reason for a denial. 
The representative stated that they were re-submitting my documents again and attaching a note verifying the documents were complete. Therefore, as this is time sensitive ( due date for accepted recertification is XX/XX/XXXX ), that it should be expedited. 
Called again todayXX/XX/XXXX, and was told no notes or expedited requests could be placed on re-submitting a recertification request. Then, customer service tried to blame me for the denial of my request, even after reviewing the documents I submitted were in fact the documents needed to obtain the recertification. 
I had similar issues with FedLoan Servicing in XX/XX/XXXX, and again this year in XX/XX/XXXX 
A student loan servicer is required to service my student loan. Therefore, when I submit the correct documentation to recertify my income based repayment, and I recieve a denial every year, usually creating a situation where I pay a large sum of money for two months while FedLoan fixes their mistakes ; they are in violation of the agreement and contract they signed with the federal government to service my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX 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 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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion LLC has violated my rights and TransUnion LLC willfully violated the FAIR CREDIT REPORTING ACT Title 15 USC 1681i ( C ) ( 5 ) ( A ) ( i ) ,1681e ( b ), 1681b ( a ) ( 2 ) and must be held accountable with Prejudice! 

TransUnion LLC is furnishing inaccurate information on my Consumer Report in the following account XXXX XXXX # XXXX and has it reporting Verified As Accurate violating 15 USC 1681e ( b ). 

The XXXX XXXX # XXXX account has been DELETED by XXXX XXXX XXXX XXXX ( SEE attachments ). 

TransUnion LLC has an outstanding reputation for violating the ( FCRA ) Fair Credit Reporting Act SEE Cushman v. TransUnion Corp., 920F. Supp. 80 ( E.D. P.a 1996

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 2020-11-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, Paypal took {$4300.00} from my account with an untrue reason. I sent the Error Resolution Notice to Paypal on XX/XX/2020. It's been a few months since I've sent the letter, I still haven't received a refund from Paypal. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX # # # # # XXXX, XXXX XXXX OF OHIO 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 2017-12-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I filed a complaint against Experian because I noticed several unauthorized inquiries on my credit report. I also DEMANDED that Experian investigate and show proof of verification. On Today, I received a response from Experian claiming those inquiries were verified, but I wasnt send proof of how they were verified. Im aware of my rights and according to FCRA, inaccurate and unauthorized information should NOT be on my credit report. Experian must show me proof of what they used to verify these inquiries or REMOVE them immediately. I have rights to be allowed to see the proof of verification and if there isnt any then these inquiries should be REMOVED. You must be able to prove that these inquiries are valid. I feel as though my rights have been violated because there are inquiries on my credit that simply does not belong to me therefore, they should be REMOVED. I have a fraud alert on my credit report, so I shouldve been contacted about these inquiries but I wasnt. The inquiries needed to be removed are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
My credit report for my whole life had been over XXXX until I bought a Toyota and traded it in for a lessor quality Toyota and then Surrendered it for the first time in my life. Then Got hurt on the job and my employer did n't pay the bill and I did n't know for 3 years. Its all taken care of except for my STILL low credit score. Could yoy please look into this and let me know why my score is so low still. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: BCI FINANCIAL GROUP, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2021 i called City National Bank of Florida, telling them that i did not recognize a charge for XXXX $ on my Bank Statement. At that moment, i spent 40 minutes with a person on the line with him asking me a million questions, which i gladly answered. When all this was over, he confirmed it was a fraud as the charge showed in Oregon and i reside in XXXX, Florida. He then confirmed that i would be issued a new card and that i would be credited the XXXX $ to my account. 

3 months later the card never arrived and nothing was credited to my account. I then called again, went through the same procedure to which they then said the same thing. The funds were supposed to be credited to my account and a new card would be sent my way. To this day, none of this has happened. It is embarrassing and infuriating to see how these banks dismiss peoples needs. I have my business accounts with them and keep extremely high average ledger balances and not even that gives me the leverage for them to solve a ridiculous dispute of this nature. 

Now, they've sent me a letter saying that due to the nature of my dispute, the transaction needs to be disputed directly with the merchant. I DID NOT AUTHORIZE THE CHARGE!!!! 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
Company: Home Point Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In 2016 Took out a Loan with Home Point Financial this year in the last three weeks refinancing and onto to find out can not close because lean om my home with past klender that Homepoint was responsibe to take care of with there previous titale company pai XXXX to a titale company and homepoint finacial to do XXXX. The last two days been working continuiously to try to get the Lien off with minimal help from my current lender that messed up to began with. I sent them several documentations in the last two days. Even wen to court house this morning to only look like a XXXX the county court hosue i worked at in past how embarrising I been paying home point for a whole years and they dont even hold my mortgaege. And aagin this is not my field when i apply and take out a loan i exspect the lender and the titale company and all involve under the sole responsibility of the reatining lender to take care of everthing they had no poroblem taking my money for closing cost now they asking me for documents and want me to fix the problem which is totally nonsense and they shoudl own up take responsiblity and fixe the problem. They tell me they dont even have access to my fiel which is bull yes they do I did follow up with attourney and 3 other lenders 2 are the top lender in the nation. This stress has caused me sever health problem in the last couple weeks.

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 2021-10-22
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a summons today to appear in court against XXXX XXXX located in XXXX Tennessee. I previously filed a complaint against them. I paid off any checks I had with XXXX XXXX and the check that they are trying to collect on was made out to XXXX XXXX loans. I wasnt informed that XXXX had sold out to Cash Express. I found that XXXX XXXX was ordered in 2018 to pay restitution to consumers of XXXX. I never got any of that money. Im physically able to appear in court. Im on Social Security and XXXX years old. I have learned that Cash Express was barred from filing court action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
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:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Bayside Capital Services, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX The company contacted my home, my job, my mother and my grandparents house leaving voicemails saying if I did not call them back they would be serving me with Legal papers at my place of employment. On XX/XX/XXXX They contacted my job again saying they would serve me with papers at my job if I did n't take care of this. I asked what company he was callimg from and he said the bcl, I told him I never heard of that company and he said it was from a loan I had from XXXX. He stated they were willing to settlw the debt for a lump sum payment of over {$600.00}. I let him know I could n't do that. He then stated I could pay {$110.00} every other week until that debt was paid and proceeded to ask for bank account information. I aaked him to send me a letter of validation since I have never received anything reguarding this debt and he sent me a email that was very fishy. He then said if I did n't call him with my bank information they would sue me and serve me paperwork at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The first call was a woman that Claimed to be a process server for XXXX XXXX XX/XX/2020. Phone number she called from XXXX. She claimed to have papers for me and I needed to contact her right away. After that first call Ive gotten several calls ( 4 to 5 times daily ) from a man named XXXX XXXX. Said he worked for a law firm. Phone numbers ; he calls from an anonymous phone number, one right after another before he will leave a message. Then he will call from these other numbers XXXX, XXXX ext XXXX, XXXX. These harassments are daily. He wants me to pay him for a US Bank debt of {$3100.00} by a docu-sign email he sent me during the first conversation I had with him. The pressure from him, the degrading threats have caused me into serious XXXX. He told me I was served in XXXX and my case number was XXXX  XXXX. He then told me my court date was XX/XX/XXXX at XXXX. But I should pay him now with the XXXX and I wouldnt have to go to court. I was never served any documents from the court. I gave him my credit card number and I have since shut that card down. After I got off the phone I was shaking. He said things degrading me and that I should of been paying my bills. After I got to thinking about my debt I realized that I only had a checking/saving account with US Bank so I called them with all the information he gave me to see if I owed them anything. I didnt have any debt with them. I called the court house and spoke with XXXX to see if I was served and if I was supposed to be in court on XX/XX/XXXX at XXXX and gave her all the information. She said NO and those numbers are false because their document have letters in their case numbers and they dont do civil cases on a Wednesday. He keeps threatening me with filling papers with the court if I dont pay him and legal action will be taken. My husband told him to serve me properly and we will discuss this all in court and to stop calling. But still he continues over and over. I called the State Bar to see if this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX was even a law firm. Its not. The XXXX XXXX told me to call the district attorney office inXX/XX/XXXX to see what they could do and so far because of my work schedule I missed her phone call but desperately want to speak with someone there. Yesterday, XX/XX/2020 he threatened to call my work and harass me there. I had to speak to my boss and let her know what is happening and its humiliating. Im tired, with constant anxiety and fear this man is going to come to my home or work. If this was legit I would face it but its not.

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 2019-03-08
Company: Leap Credit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I visited this website on XX/XX/2019 to see about an online payday loan. Upon entering my information the loan was shown as only being available for {$250.00} and I choose not to proceed and closed out of the website, however I received an email and text message that my loan was approved for {$600.00} and the company has stated they have my signature but I adamantly would not have taken a payday loan for {$250.00} and was not emailed nor given any information regarding {$600.00}. At this time I have had to contact my bank in order to make sure that this loan is not funded and this company does not have any further access to my account. Upon my call to the company the woman proceeded to remind me that I did this, this is a 600 % interest rate which should be illegal and I did not want this at all. I have contacted my bank and made sure to get this money stopped from being deposited but I do not trust that this company will not try again or that they aren't using other lenders as their documents show different names : XXXX XXXX XXXX XXXX XXXX or Leap Credit or XXXX XXXX XXXX XXXX XXXX. I also do not see ANYWHERE where I signed anything or even entered my initials.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying. It may have even already been paid by the Responsible Party involved.

My name should NOT be involved regardless.

The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.

Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this.

This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply. 
Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. 
BACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an amputation ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. 
The XXXX  involved & their Insurance Company were LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of their Settlement to Avoid Lawsuit. 
All the Bills were Submitted to the XXXX & its Insurer, by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer. Why these were not credited paid or attached to me since I am NOT THE LEGALLY RESPONSIBLE PARTY is clearly incorrect. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of this Letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation