BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been in constant contact w/ my auto financing company. I am 30 days past due. I have 3 payments that'll be due tomorrow ( due every other week ). I have been trying for 3 weeks for them to set up a payment for tomorrow for {$470.00} that would leave a remaining balance of {$200.00} ( not even a full payment ). They are refusing to take my payment because I am unsure when I will have the remaining balance of {$200.00}. They have threatened to repo if i can not afford the vehicle. I have a whole email thread of where this manager refuses to take my payment nor will he give me his managers contact information. I do not have a phone right now and he advised i should go borrow someone's phone or go to a payphone. I have health issues and can't just go find a phone when I have been in constant email contact with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : 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 2019-02-08
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Since XX/XX/XXXX I have been waiting for XXXX to review and calculate the number of payments attributed to Public Service Loan Forgiveness which was extremely undercounted and inaccurate as they did not reflect years of payments with prior loan servicer and had inconsistent numbers across loans as if I make payment separately which has never been the case. I followed up with them in XX/XX/XXXX and again this month to no avail. I have also requested a copy of all of my records so I can make my own calculations in XX/XX/XXXX and only received records from since XXXX when account was transferred to despite that those records should have come with the account. This gross negligence is compromising my student loan forgiveness as I have more than 11 years of employment certifications filed with them. Moreover I was forced into forbearance for when it took them nearly five months properly calculate my payment further delaying my progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: NJ
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 two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX XXXX tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX XXXX I have been reaching out to both with no help I would like all late payments off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Mobiloans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Mobiloans after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-05
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted RISE Credit after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: DISCOVER BANK
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made reservation of airline tickets through XXXX on XX/XX/ for XXXX round-trip. They immediately charged my Discover card. They never booked with the airline and never sent me airline confirmation number. Only their own confirmation number and XXXX e-ticket number. One week later this company sent me a message that flights were canceled. Instead they offered much more expensive options which also take at least 10 hours more each way. It was unacceptable. When I tried to apply for refund, they asked me to agree to possibly receive refund in " XXXX money '' in 3 month (! ). They also would not pick up the phone or correspond via email. Of course, I could not agree to this : I need my money back to book through another service. I disputed with the Discover card, uploading the following documents : 1 ) Booking confirmation without airline confirmation number ; 2 ) Policy of XXXX saying that they refund ( if they cancel flights ) immediately in cash 3 ) Screenshot where XXXX states that it will take them 3 months and they may pay with XXXX money ; When I was making booking I have read terms and conditions very carefully. It did not say at the time of booking that XXXX can cancel and refund in their own money. I filed the dispute with Discover on XX/XX/ and they turned down the dispute on XX/XX/. 
Discover said that since " they provided services of booking, I can not dispute this charge ''. I told Discover that there was no actual booking with XXXX. These particular flights never existed. This is fraudulent documentation. Discover said that there is nothing they can do with this. This completely negates the point of credit card protection against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Simon's Agency, Inc.
State: NJ
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:
They say I owe them money for medical services from XXXX I offered to pay {$3.00} a month cause thats all I can afford, Im a senior and live on social security and Im XXXX and Im XXXX years old. The will not accept that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2017 I contacted Experian to file a complaint regarding the XXXX XXXX account that they are reporting. I complained that they are reporting inaccurate information on my credit report. They can not verify that this balance is accurate.

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 2017-12-05
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Please refer to # XXXX submitted on X/XX/2017 regarding the issues with XXXX or XXXX. At that time - this company simply tried to put the matter under the carpet/rug. 
I am facing the same issue since XXXX. 
I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. 
But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT XXXX ). I reached out to XXXX and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. 

Today I called at XXXX during XXXX XXXX to XXXX XXXX  and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. 
I end up paying fees from the bank due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Dear XXXX/XXXX Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XX/XX/XXXX on my Trans Union and XXXX   credit report. After numerous attempts to rectify the missing reporting data for the month of XX/XX/XXXX, XX/XX/XXXX payment data has also not been reported to Trans Union and XXXX. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.

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 2020-12-12
Company: EQUIFAX, 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:
I previously submitted a Police Report and a FTC report regarding Identify Theft. The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors 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  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 2021-05-22
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I opened a auto title loan with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$3500.00} I paid {$390.00} on this loan monthly until XXXX! Paying over {$25000.00} for a {$3500.00} loan. As a XXXX XXXX military spouse we fell on hard times and my car was immediately repossessed after paying for several years. Even after the car was repossessed while my husband was XXXX XXXX we were hounded and harassed by this company to keep paying monthly on this loan even after repossession. It is now XXXX and this is still active on my credit report and does not appear to go away anytime soon. This company and their practices must be reviewed! This is a predatory loan with no way out, it is designed to keep the lender hostage for decades! I am begging CFPB to investigate and shut this company down!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: CT
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:
Dear XXXX/XXXX  Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XXXX on my XXXX XXXX and Equifax credit report. After numerous attempts to rectify the missing reporting data for the month of XXXX, XXXX payment data has also not been reported to XXXX XXXX and Equifax. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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:
On XX/XX/XXXX I consolidated my student loans valued at {$29000.00} with MyFedLoans for the purpose of being able to use the PLSF forgivness available to XXXX. I called in XX/XX/XXXXto my lender at the time about the program. I spoke to them multiple times. They always said, keep making payments, you are 'all good '. In XX/XX/XXXX I figured out that 'it was not all good ' and that NONE of the payments I was making would 'count ' toward the 120 payments needed for forgiveness. I was told by MyFedLoans that I was lied to by my previous lender, and that I would have to give up my low interest rate, consolidate with them, get a higher interest rate and continue making payments on a qualified plan. I was making payments around the {$250.00} range, my payment went down to {$210.00} with MyFedLoans. Even though my old payments were higher, they did not count as part of my 120  payments under PLSF because they were not to MyFedLoans. I have now paid since XX/XX/XXXXand I owe more now than I owed when I first consolidated with you. I chose to leave XXXX because I can not handle the mental stress. Even though I XXXX 10 years and made 12 years of payments, because I was lied to, misled, and mismanaged, I will never be able to get forgiveness under this program. My current number of qualifying payments are gone from my dashboard on MyFedLoans. My qualifying years of service forms from my employer were rejected many times with me having to submit multiple times? Myfedloans said the 'dates looked altered ' 'signature looked altered '. I had to have my XXXX fill them out multiple times every year and they are still not on the dashboard!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX, I made the purchase of some XXXX to the company XXXX XXXX, this company since day number 1 that made the delivery of the equipment was delivered without the software that would be the main tool of work, after calling and performing in controlled by them cybernetically were those who nailed the software to the computer, without providing any type of CD, Password, or Key product. After a week the product began to fail such as computers, we got in touch with them and several opportunities were told that I wanted to return everything and that I would be reimbursed for my money since the service was bad, deficient and not I had no more than 72 hours and I already had problems with computers, after so much insisting on calls and emails I had to call to my credit card, where I was still in my legal time frame to make any claim, which accepted me to begin a case. 
The bank of this card was XXXX XXXX Mastercard.Then they started the temporary credits, which were removed from my account again, Then they started asking us for proofs of what happened and I were provided with all the emails that I had with this company and photos, then every time I called they told me that I had to keep waiting, I received a letter from XXXX XXXX Mastercard where I was left to know that XXXX XXXX also responded to the case but they agree to return the money if the computers are returned, after receiving this letter several times I try to communicate with XXXX XXXX to know why they had not sent us the shipping level to return it or at least provide us with an address to know where we would send it, at the same time I communicated to XXXX XXXX Mastercard and asked them what had happened with the software because that I never received the product, not even in key product license by email at least and they told me that they were still disputing that ; I let them know that the XXXX XXXX  company did not answer me and they told me that if I wanted to continue with the case I had to send a letter by fax and send it to the address that appeared in the contract and send it to them and that way they could already make the hardware credit,2 times I was let know that I had to write letters to continue with the process, which I did, on XX/XX/XXXX I received a call from the case manager letting me know that they could not continue with the case since Mastercard did not allow them because The deadline had expired and there was not enough evidence to return the money.

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
Consumer complaint received 2021-04-30
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for Bankruptcy in XXXX and included XXXX XXXX in the Bankruptcy which was discharged in XXXX of XXXX. XXXX XXXX XXXX reported as negative credit in XXXX and Sold it to National Credit Services, Which was sold again to a law firm. I have disputed this at least twice and the results were customer disagrees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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 unfortunately have fell victim of my identity being compromised over the past few months. After reviewing a copy of my credit report I noticed several accounts reporting that I never seen before XXXX XXXX, XXXX, XXXX XXXX and several more accounts I've never been associated or received, money 's, goods, or services. Experian sent me a copy of my credit report but failed to remove all of the fraudulent accounts. I am currently working with local authorities in attempt to try to locate the individual responsible. My report I sent to Experian also had several fraudulent addresses that are still displaying on my credit file. I spoke with a representative informed she could not change my address even after I verified all of my personal information. My dispute I sent to Experian did include a detailed dentity theft report from the FTC. I am aware of rights as a consumer along with Fair Credit Reporting Act laws and statues.

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 2019-02-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am enclosing a copy of the letters that I mailed to your company via mail requesting that you verify the alleged debt your company claims I owe. I sent two letters to XXXX  and Experian. First letter regarding accounts that was not verified. It was over 30days and I have not heard back from either company. So I sent another letter regarding no response and they have still yet to respond to me. This was last year 2018 in XXXX and 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