BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: Tulsa Adjustment Bureau
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Tulsa Adjustment Bureau to try and settle this debt that they show on my credit report, only to be told I had several other debts that this company wanted to settle before they would settle the shown debt, the other debts were several thousand dollars or so they said. The problem is that they know these debts are both uncollectable and unreportable. Under Oklahoma statute 14A-5-107 and statute XXXX medical debts of 2 years or more are not collectable or reportable. I called them again and spoke with them on their recorded line and made them aware of this. They said they were within the law to try and collect these debts they are NOT! I am XXXX and live on a modest income and the Americans with Disabilities Act comes into play as well. They can not treat me differently than they treat a non XXXX person. They are not following the law in either case. This debt must be removed from my credit report. As it is unlawful after the 2 year time frame for this to be reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The Texas Higher Education Coordinating Board currently services two of my loans. They have, for years, made it difficult to make payments in the following ways : Not accepting XXXX debit cards. Not having auto pay functionality. Using various external vendors to process payments. Multiple dead ends on phone tree, most recently on XXXX/XXXX/XXXX. They have also utilized lax and dangerous privacy policies : Until XXXX, the social security number was the login and date of birth was the password. My main concern is the lack of auto pay functionality and XXXX acceptance. In the current environment the only reason for either is, 1 ) Deciding not to incur the expense of setting up such a system, which is unlikely given the numerous vendors able to implement this. 2 ) Indirectly causing late payments or forcing payment through processes in which they collect fees, both of these in an effort to increase ancillary fee revenue. THECB, as recently as XXXX XXXX, has acknowledged the lack of the usability of both its website and customer service functions, but has done nothing to improve either. It plans in XXXX to spend $ XXXX on compensation servicing approx. $ XXXX worth of loans using XXXX FTE, an unfathomably poor efficiency ratio and a model of government employees enriching themselves at the expense of the tax base and their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Please see attached FTC Report of identity theft and Remove the account XXXX XXXX from my credit report 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 non-monetary relief
Consumer complaint received 2018-04-17
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to satisfy my past due toll amounts with the XXXX  ( XXXX XXXX XXXX  ). While in communication with them, they informed me, Transworld Systems Inc was handling the collections. XXXX, stated they can not process the payment.

I proceeded to contact, Transworld Inc. At that time they informed me my balance totaled {$1300.00}. Of that amount {$170.00} was the " actual '' toll amount and {$1200.00} were " Processing '' fees.

As our discussion continued i asked Transworld if they " owned '' the debt. They informed me they do NOT own the debt and are just a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: UT
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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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 2018-10-24
Company: EQUIFAX, INC.
State: UT
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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get repeated calls each day for a few yeas now, from Transworld Systems, no debt owed, they want payment over the phone to get my card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Trans Union To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) and account number ( XXXX**** ) ( XXXX**** ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 2020-06-04
Company: Experian Information Solutions Inc.
State: HI
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:
XX/XX/20 talked with XXXX XXXX # XXXX and XXXX and confirmed the month of XXXX is reporting incorrect. further, XXXX  and XXXX  are reporting different months for same accounts as being delinquent. i am constantly working with these agencys, and am not satisfied with results. 

also, there are to many inquiries happening on my accounts with these two agency that i have not approved of. this morning XX/XX/20, i got a call from a mortgage lender who tells me that someone ran my credit report for mortgage lender, and she can provide a good interest rate base of my credit score. the telephone number is ( XXXX ) XXXX i did not authorize for anyone to run a credit check without my consent. 

lastly, XXXX  does not allow for me to unlock my credit report because i have not paid for their service. i must pay first to be able to unlock my account for lenders that i chose to view my report. i am being denied loans because XXXX  failed to provide the service.

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 2020-04-28
Company: EQUIFAX, INC.
State: NY
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 have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have recieved a notice from Sequium Asset Solutions on XX/XX/2021 of an illegitimate debt they were trying to collect, ref number XXXX. 

I sent a response challenging this debt via certified mail on XX/XX/2021 they signed and received on XX/XX/2021 stating that I was challenging this debt and to case and remove it from any credit reporting agencies within 30days if they could not provide adequate dated information, payment records, and contact details of someone who had original knowledge of the debt of this collection. I requested all communications be performed via certified mail and I have yet to receive any additional mailings from Sequium. 

Today I was notified of an alert on my credit report that they have opened an account in my name on XX/XX/2021. I believe this is to harvest information illegally and the FCRA has protections against this. They have not responded and this is an illegal attempt to collect a debt even after I requested additional information and a contact to refute the debt. They have not responded to my challenge in any way and I want this to stop. 

This is not the first company to attempt this illegitimate collection and the others who have tried to know this as they ceased collection efforts immediately. I want to ensure Sequium/Comcast does not attempt to sell or continue to pursue this debt as this has been re-sold numerous times and is harassment at this point and it goes against the FCRA guidelines XXXX Before it was sold into collections, a supervisor at XXXX said it would've been handled and removed when this all started as it was their error and this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly asked they discontinue to call my references and they continue to cal my daughter everyday I had XXXX and lost my job and unable to pay at this time. 
I know I owe this money but I cant pay this and keep a roof over my head

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
after several harrassing phone calls, and an attempt to try to have this removed from XXXX report I was instructed to file a report on here I have never had this account I have no knnowledge as claimed before of this account or debt and its hurting my credit score terribly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
-Installment Loan Account # XXXX - Effective date XXXX. Amount financed {$2500.00}. Payment schedule : 51 biweekly payments of {$190.00} starting on XX/XX/XXXX, 1 payment of # XXXX on XX/XX/XXXX. 

One payment skip allowed, and taken. Email from Cash Central dated XX/XX/XXXX confirms new payoff date to be two weeks from the original payoff date of XX/XX/XXXX, XX/XX/XXXX. Enclosed below. 

XXXX, Thank you for your email. As of today, your maturity due date shows XX/XX/XXXX to be paid in full. If you have any additional questions or need assistance, please respond back to this email or give us a call at XXXX. 


Thank you, XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX When I called this morning to confirm payoff, Cash Central refuses to acknowledge both contract and email - they claim a balance of {$1400.00}. They are unable to account for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Kelsting Group, Inc.
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:
XX/XX/XXXX I was denied a line of credit which has NEVER happened to me - the report ( s ) pointed me to the fact that this particular / notorious company had put a mark on my credit over 5 years ago for an erroneous debt that their 'customer '' has nothing to do with in the first place - they have been called, written a letter ... written a CERTIFIED letter because they IGNORED the first one ... yet they still refuse to fix this problem - I rented a townhouse DIRECTLY from the owner/landlord - I lost my health then had money problems - moved out - owed rent - he ended up getting it all and his attorney filed a SATISFACTION of JUDGEMENT in XXXX - Their " customer '' who tried billing me for that SAME RENT ... sent their " bill '' to this notoriously corrupt and shady collection service in XXXX who used to have a different name for YEARS and had to change it to try to elude people in the area away from their terrible reputation - you can find PLENTY of online complaints and forums where people say the same thing I'm saying which is they claim debts they are NOT entitled to - Their " customer '' is a property management whatever that's responsible for the EXTERIOR / COMMON AREAS and NOT any tenants ' rent - Their " customer '' is The XXXX XXXX in XXXX XXXX PACIFIC CREDIT SERVICES in XXXX California USED to be CREDIT BUREAU ASSOCIATES XXXX I lived in XXXX  for 27 years - I heard PLENTY of horror stories about this place - their name changed but their practices have not - Next comes an Injunction suit including Compensatory and Punitive damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ive been working on getting a loan from QuickenLoans. They advertise 30-45 days to close a loan. I was and have proof that everything they asked for like loan documents pay stubs w2 letters and just everything was given to them super quick. They would ask for extension on top of extension. After going thru every possible channel i finely lost control and gave up on the loan. I have earnest money appraisal but the amount of stuff they kept asking for got so bad because was already given over and over and over my bank threw up their ya dx and they did not know what QuickenLoans wanted. The loan has taken over 3 months to close. Today I signed and I still feel like there is a way that QuickenLoans will XXXX it up. Thats how terrible they are. QuickenLoans has extended my loan so long that I almost lost the house we wanted. 
They XXXX and should not be in business because they cant to their one and only job. They made purchasing a home the most miserable process and I will never deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, I purchased a {$200.00} virtual Vanilla gift card from XXXX with order # XXXX. 

I forgot about the card and tried to use it this past XXXX, XXXX however, the card had expired on XX/XX/XXXX. On Vanilla gift card 's website it says vanilla e-gift cards don't expire for 9 years. I called and Vanilla would not re-issue me a new card and told me I had to talk to XXXX. I contacted XXXX and they asked for information. It took over a month to get ANY kind of resolution and they remarked that I had to speak to Vanilla. I am troubled by both XXXX and Vanilla Gift 's card response to me. 

I have attached the gift card, screenshot of the order, and the information on Vanilla 's own website of the expiration of gift cards. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of XXXX XXXX inability to provide proper documenatation, however, the accounts are still showing inaccurate on XXXX and Experian.

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 2021-10-13
Company: Kashable LLC
State: PA
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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
XXXX XXXX $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX  $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX $ XXXX-Date Opened : XX/XX/2020 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SYNCHRONY FINANCIAL
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:
After learning I was a victim of identity theft I sent an FTC identity theft affidavit along with a police report and a letter stating how I was a victim of identity theft to Synchrony Bank. I also sent the same letters to the credit bureaus letting them know I was a victim of identity theft, but in the response letter Synchrony Bank sent me back they said that they will not remove this fraudulent account because they say I paid on it but I never had any knowledge about this fraudulent account until learning I was a victim of identity theft recently when I received a call from the police department.

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