BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: Georgia Student Finance Authority
State: MA
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 took a student loan from Georgia Financial Authority in XXXX. I paid off the loan from what the representative told me I owed in XXXX of XXXX. 

I recently checked with credit report recently and saw that I have had 120 late payment for that account starting from XXXX of XXXX to XXXX of XXXX. 

I called them and told them that It should of been closed. they told me that thee eaccount was never closed and that there was a small remaining balance that had been accruing interest. 

All the contact info they have on me was from XXXX when I initially took the loan and so there was no way for me to know there was anything remaining. 

This has completely ruined my credit and I filed a dispute with them and they told me they are not willing to do anything about it. 

I did my due diligence to.pay off this loan and for me to get so negatively impacted is unfair when they can easily detract/ forgive that deliquency that should not happened in the first place. 

I made sure the account has been closed out as soon as I found out and paid the remaining balance that accrued interest since XXXX. 

Please Help!

Company response to consumer: Untimely response
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: CO
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:
I have informed XXXX XXXX and they are in the process of removal. I have to send them a letter and that asked that I report that activity here. 

The following is a list with the dates of the inquiries. Valid inquiries have been removed from the list. This list is XXXX XXXX Only but they are duplicated in whole or part on the other major bureaus., These inquiries are holding all three scores just under the XXXX mark and causing issues with Interest rates and approvals for myself and my business where I must offer a guarantee. 

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 2018-03-09
Company: Experian Information Solutions 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:
Hello, I disputed inaccurate I information I found on my credit, knowing for a fact that it will be over with very soon. The results came and I was informed that the accounts has been verified, I wasn't able to get methods of verification nor a signed documents to support their claim. I have a total of 7 accounts 2 of them were awarded to my favor by a court order and the rest isn't mine and came to find that my information was breached and accounts was totally open under my credit without my knowledge.

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 2018-07-02
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 i called Navient because they continue to contact me about late payments. I recently received an email stating that I owe {$730.00} in payments. In XX/XX/XXXX I attempted to consolidate this loan with XXXX and they told me i could consolidate. I pay XXXX $ XXXX month, another Navient loan {$88.00} a month. I asked them why they said i could consolidate if i couldnt. I never heard from them since XX/XX/2018 when I thought the loan was consolidated. Then in XX/XX/2018 they say no its not consolidated and you are 3 months behind. I previously had a debit of {$86.00} and it increased to {$100.00} under the rate reduction program. However, those debits stopped and I thought it stopped because it had been consolidated and it was included in my XXXX payments. 

I explained that I have no money left to pay {$730.00}, they insisted that i pay it the same day or {$170.00} by credit card. They then offered to put me on a 6 month interest only plan, which i still cant pay. What happens after 6 months. They said i had exhausted all forbearance. 

These people do not try to work with students forgetting that we too have living expenses. The rep said i could only refinance the loan amount which is {$38000.00}. I enrolled in University of XXXX XXXX and never got a degree because they coerced me into getting all these loans when i ran out of federal aid. I have tried to no avail to find out who and where all this money went. At one point Univ of XXXX said to me that they didnt refund money because students would use it buy cars, WHAT!!! 

University of XXXX XXXX was predatory telling me that it would be 18 months to earn my degree, yet they used predatory tactics to make you continue taking the same classes over and over then setting you up for more loans. 

I do not believe that Navient will assist me in any way except to sell XXXX to send them money. I am a XXXX XXXX XXXX XXXX without a XXXX XXXX XXXX promised. I completed the entire XXXX XXXX XXXX XXXX program but received a " XXXX  '' in one class. They tell me I need to repeat the entire program again. I have never heard this happening to anyone. 

Its not fair what Navient is getting away with. They will not accept anything other than what the scripts says. 

Please contact Univ of XXXX XXXX also for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Tribal Lending Enterprise, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was mailed a collection notice without me ever personally contacting XXXX XXXX XXXX. In the mail, they gave me 30 days to resolve an unspecified amount on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Ameritech Financial
State: MD
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 was contacted by Ameritech regarding student Loans from XXXX and XXXX XXXX XXXX. XXXX XXXX asked for two monthly payments of XXXX. After I signed an agreement, I didn't feel comfortable with Ameritech and I called to cancel payment and also contacted the credit union. 

Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Monday XX/XX/2021 at approximately XXXX XXXX, I received multiple phone calls to different family members phone numbers from an unknown number trying to reach me. There was no company name mentioned in the voicemail, only a phone number ( XXXX ) When I called this company back, they told me that I had a debt and when I requested a validation notice through mail that I did not receive, an employee supervisor named XXXX XXXX stated that they can not send me another validation notice because they simply do not have time and that the Fair Debt Collection Practices Act does not apply because I am in the pre-legal stage. I am being harassed and not being told or made aware of my right to dispute this debt. The companys name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Preferred Collection and Management is trying to collect on a collection account that is not mine and I have no part of. I am asking that this matter be resolved immediately and the collection account be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Penn Credit reported a medical debt that was owed 2 yrs ago Contacted them with a Debt validation letter on XX/XX/2021 no response from company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX  Medical Center onXX/XX/XXXX I was billed XX/XX/XXXX and a check was written out to the hospital on XX/XX/XXXX and I do have a copy of that check. After I paid the bill I continued to receive collections notices of the same amount from Transworld Systems Incorporated. They clearly believed that I still owed the already-paid debt so I decided to call Transworld Systems Inc., unfortunately I did not keep track of those dates but I called several times. Someone eventually called me back to say the debt that was already paid would be resolved. I decided to send them a letter and proof of payment this was sent on XX/XX/XXXX. As of todayXX/XX/XXXX they still have the debt of {$120.00} as still owed, even though it was already paid. I would just like to know when this will cleared if ever? I was notified by my bank sometime in late XX/XX/XXXXthat the so-called debt of {$120.00} was bringing down my credit score. I do not know what else to do at this point. I have all my papers, bills and a copy of the check that was maid out to the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
State: MO
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 tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX ( XX/XX/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 2018-07-03
Company: EQUIFAX, INC.
State: MO
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 tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed multiple items with Equifax & XXXX  and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like Equifaxed got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with XXXX. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON XX/XX/2020 ; I paid {$580.00} to EOS CCA ( Collection agency ) and  they told me I would receive a written receipt in 3-5 days. As of XX/XX/2020 : I still have not received that receipt for my payment. These collection agencies are quick to take your money but have excuses for why they can't send a receipt at the same time of the payment ; and then you don't get the documentation you requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe money and I asked if we can do a payment plan and they said no they wanted XXXX or XXXX by the next day no questions ask. I explained I have a budget and I cant afford that amount. I told them I ll do what I am offering a payment plan of XXXX a month they said no. I specified to them I work from XXXX to XXXX XXXX I am XXXX XXXX XXXX and cant have calls at work and they said the calls will continue. On top of that they yell and speak to me demanding and bullying me. The name of the collection agency is Receivables performance

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 2018-07-03
Company: Experian Information Solutions Inc.
State: MA
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:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX   XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX   XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2021-03-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a message from phone number XXXX stating that if I did not call " XXXX XXXX XXXX '' back at XXXX then paperwork would be filed with the county XXXX  where I live. I called the number back and was put on the phone with a " XXXX XXXX '' ( direct number XXXX '' who was very rude. He was very quickly stating information that I owed {$1400.00} to Ace Cash Express and that if I did not pay in full today, not only would paperwork be filed with county XXXX, but I would also have criminal charges brought for " check fraud ''. Mr. XXXX repeatedly hung up on me ( five times ) when I tried to get more information from him. He claimed I was issued certified letters which I never received or signed for. He stated I was being evasive and abusive by asking further questions. Because of his threats and intimidation, I did agree to make payment. I was transferred to " XXXX XXXX '' phone number XXXX to make payment. She stated I would have to call my bank because the charge was being blocked for fraud. It was eventually put through and my card was charged for {$710.00}. I then received an email from " XXXX XXXX XXXX XXXX '' asking for an electronic signature for the payment agreement. This did not match where the numerous people on the phone stated they were calling from. When I check my bank account activity, the payment shows it was charged to " XXXX XXXX XXXX '', also not where anyone said they were calling from. Since none of these names matched up and I had not gotten email confirmation/receipt for my payment, I called back to ask for clarification on where I just paid. I was again transferred to Mr. XXXX. He hung up on me for the sixth time of the day when I asked for more information. I then called Ace Cash Express who let me know that I did in fact have a balance with them, but it was only {$280.00}, NOT {$1400.00} as stated by Mr. XXXX. They let me know they sold the account to a " XXXX XXXX XXXX  '' phone number XXXX. I called XXXX XXXX XXXX  who let me know they did not hire any mediation firm and were not even actively collecting on the account. They stated they certainly had no plans of filing court paperwork or attempting to file criminal charges. They asked me for the information on who just called me which I gave. XXXX XXXX XXXX  does not recognize " XXXX XXXX XXXX  '' as anyone they work with. They told me I was likely scammed. I then called Mr. XXXX back who did agree to refund my card, but stated he was filing court paperwork to " have me prosecuted '', called me an " XXXX '' then hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter requesting debt validation and was send a letter stating " no further investigation is required under section 12 c.f.r. 1022.43 ( f ) of the FCRA '' I have been told that I am not able to receive the validation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-03-29
Company: BARCLAYS BANK DELAWARE
State: NY
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 FOLLOW ACCOUNTS HAVE ALSO BEEN AFFECTED BY THIS CRIME XXXXXX/XX/XXXX XXXX # XXXX. 
WYNDHAM XXXX XXXX  # XXXX. 
XXXX XXXX XXXX. 
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 monetary relief