BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: ORG GC GP Buyer, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
THIS LOAN HAS ALREADY BEEN PAID OFF ( SEE ATTACHED DOCUMENTS ). PLUS I WAS CHARGED INTEREST AND " FEES '' ( WHATEVER THAT MEANS ) LONG AFTER THE DEBT WAS PAID!! THE DEBT WAS PAID TO THE US TREASURY DEPT, BUT WAS NEVER REPORTED TO THE DEPT OF EDUCATION!! TO THIS VERY DAY XXXX XXXX, 2017, THE DEPT. OF EDUCATION DOES NOT HAVE A RECORD OF THESE PAYMENTS!! AS A MATTER OF FACT, NONE OF THE COLLECTION AGENCIES WHO HAVE EVER HANDLED MY CASE, NEVER HAD A RECORD OF MY PAYMENTS TO THE US TREASURY DEPT!! THIS IS AFTER REPEATED NOTICES TO THESE AGENCIES THAT I HAD PAID THIS DEBT OFF!! THEY REFUSED TO, FOR WHATEVER REASON, TO IGNORE THIS FACT!! EVEN THE DEPT OF EDUCATION, AGAIN FOR WHATEVER REASON REFUSED TO ACT ON MY REPEATED NOTICES THAT I HAD PAID THIS DEBT THROUGH THE US DEPT OF EDUCATION!! THE SUPPORTING DOCUMENTS FROM THE US TREASURY DEPT. PROVES THAT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been making student loan payments for months until I become unemployed. Even while I was employed, I asked to lower my payment of {$1000.00} a month and I was denied. 
I felt lied to because while I was applying for the student loan, they said there are income based payment options. No one worked with me about that. 
So I continued to make $ XXXX payments until become unemployed on XXXX/XXXX/XXXX. 
I initiated the call and explained them that I lost my job and asked for some time until I find a job and continue making my payments. 
Every time I told them I am unemployed and have no money to pay them, they kept calling weekly. Constantly harassing and threatening. Some weeks they called more than once the same week even I spoken to an agent 2 days prior. 
Called me non-stop, kept calling and bothering my mother which she got very frustrated because she could n't understand exactly what they were saying due to English being her second language. 
All I wanted from them is to stop harassing me and give me time until I find a job. 
Instead, they kept threatening me with default and possible legal action. 
I am on the verge of XXXX, and I need a way out and/or some one who can help me make arrangements with them. 
My credit score went from being very good to very bad in a matter of couple of months. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: IL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: NC
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:
To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my XXXX  that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company XXXX XXXX XXXX keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.

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 2022-01-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Grettings, I have an inconvenience, I paid the full value to nissan on date XX/XX/2019, after they send me a document : This letter is to confirm that your obligation to Nissan Motor Acceptance Corporation is considered settled in full as XX/XX/2019. 
It has been a long time almost XXXX years, and Nissan continues to send me notifications affecting my credit report. what I request, please is that Nissan information be removed from my credit report because it is already paid. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In effort to correct my reports I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2018-01-08
Company: EOS Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contract was cancelled original creditor ( XXXX ) sold the account to a collection agency ( EOS CCA ) which means they also wrote off my debt on their taxes which wrote off my obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: FL
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:
Ive been a victim of identity theft. Please help me understand how Equifax is investigating this matter. Other credit bureaus have deleted items. Equifax says they verified, how can they verify this. My credit report hasnt been updated in about 60 days. Per Fcra they have 4 or 5 days to block information from my report, I believe I read. Again Equifax is the only bureau how hasnt deleted fraudulent items. I believe I will have to file a complaint with FTC and hire legal counsel, because this is a violation. Please see attached FTC Report and proof of identity. The following accounts are XXXX XXXX {$500.00} XXXX. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} 3 XXXX  XXXX  XXXX {$610.00} Ive never done business with these companies or entered into a signed contract. Please Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On approximately XX/XX/2019, my daughter and I purchased a prom dress online from an online store. The dress was supposed to take 7 to 14 business days for us to receive it, however after 2 months we still had not received the dress.. On approximately XX/XX/2019 I reached out to my bank to file a dispute for the missing merchandise. The bank responded that the merchant " PayPal '' has confirmed merchandise was shipped and therefore could not confirm any error occured because the transaction was not fraudulent. 

Once I was notified of the merchant 's information from my bank, I reached out to them ( PayPal ) to inquire on the merchandise being sent or a refund being issued. This was around XX/XX/XXXX approximately. I was advised by a representative at Paypal that they do not sell merchandise and could not do anytging because the bank denied my claim of fraud. I reached back out to my bank to have the claim reopened and I also contacted and filed a complaint with the FDIC ( claim # XXXX ). After several months and many communication, I was advised the bank and FDIC can only contest the validity of the purchase and I would need to reach out to CFTB to file a complaint. 

Prior to contacting you and filing this complaint, I reached out to the merchant ( Paypal ) to again inquire on having a refund or the merchandise so that a return can be processed and was told again they could not assist because the bank had already denied the claim. I advised XXXX that the bank denied the claim because the transaction was not fraudulent, however still no merchandise had been received. She stated it was nothing Paypal could do since the bank denied the claim. I asked to speak with a supervisor and was put on hold for over 30 minutes with no one returning to the line. I have not neen able to get my merchandise ( which I no longer need because my daughter has now graduated and missed her prom ), nor a refund. I simply want my money back at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 collections open {$120.00} There is no phone number, address or company for me to reach out to. 
I do not recognize this collection item and want it off please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Genesis Financial & Payment Systems Holdings, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I started this loan on XXXX XXXX XXXX for XXXX. I wanted the loan at first to help pay off my car, but I soon found out that I did not want the loan however it was still processed into my account. I used the money to pay for my car, however the interest on this pay it now loan was incredibly high making it nearly impossible to pay it off. I was making small XXXX $ every week that I got paid and once I started a new job they was taking it out every other week. I eventually was n't able to pay them anymore. And I wanted them to understand that I am a struggling XXXX XXXX who has a medical condition that I have to pay for my medicines out of pocket. In XXXX XXXX XXXX my car was repossessed, I tried to explain to Genesis Financial that I will not know when I will be able to pay them because my car was really important for me to have. At this point I had restablish a monthly payment of XXXX dollars a month to them, unknown to me this loan had quadruple in amount and I now owed XXXX. I told XXXX XXXX the " account manager '' that I did not know when I 'll be able to pay, and he said that I was non compliant. He threaten to sue me and him and XXXX used words like good luck in court and we hope that you have a good lawyer and hanging up the phone as I am desperately trying to understand how this escalated. They said that I was aggressive, and I threaten them but they somehow cant find the records of the phone call. I looked up consumer laws and I have a few lawyer friends who told me that this is not proper behavior for a company. They can tell me that the next process will be handle in the court of law but they can not use words that seem to threaten me. Honestly the whole interaction caused me to have an XXXX XXXX  which causes me to have XXXX XXXX XXXX. I do n't want to give this company another dime. I have given them well over the XXXX I owe them and I think its time that they are shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement withAMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern, On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my third request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

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 2022-01-19
Company: Square Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, on XXXX XXXX, the Georgia Department of XXXX XXXX deposited over XXXX to a cash app card I had for the entire month of XX/XX/2021 that ended in XXXX, I am not talking about that card that ends in XXXX that they said I was in violation of. ( they closed that one ) Georgia XXXX XXXX XXXX has did a through investigation for that money and it has not been returned to them so they can re-send it to me, that money was put on a closed cash app card in fact I lost that card and that is how I got the card ending in XXXX which they closed. my cash app account number ended XXXX and routing # XXXX and the last four of the cash card itself was XXXX that the XXXX was deposited on. I have been back and forth with them and getting no -where and it appears that no-one comprehends what I am saying as they all ask the same questions over and over again I have 13 emails with the same questions to them and 13 reply 's identical from them, in fact Cashapp wants to harbor on that card they closed ending in XXXX. The card my money went on ended in XXXX, I called cash app I sent a letter to cash app and I have gotten no-where I am in a pandemic still and I can use my money. PLease assist me with this matter, I have read so many horrible reviews on others experience and how cash has taken thousands from them, I do not want to be another statistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: FL
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:
Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with first XXXX XXXX credit card, which I never applied for and also XXXX wireless which was discharged in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX but XXXX and Equifax are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: GVA Holdings, LLC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan amount was XXXX. I did not understand that I would have to pay 599.9968 % interest over a ten month period. 

I reached out the lender to request to pay the loan off early and was told that I am not allowed to do so. 

I have made several payments and feel that the loan is structured in a predatory manner. 

Over the course of 10 months, the total amount to be repaid will be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dates showing I missed payments when I was still in school. Payments should have not been due until after my semester ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry 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 2018-01-05
Company: Experian Information Solutions Inc.
State: LA
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 sir or madam, I have reached out to your company about 6 times in reference to these accounts, XXXX XXXX XXXX and XXXX XXXX XXXX, that these debts are not mines!! the company XXXX XXXX XXXX is collecting for a leased apartment in phoenix Arizona where i never lived and the same for XXXX XXXX XXXX.. I have provided you with my past lease of my address here in XXXX XXXX where i have lived for the past 6 years. XXXX XXXX XXXX is charging me an outstanding amount for a debt that is not mines!!! {$46000.00} where in the world would you think i would lease an apartment in Arizona where i have not lived which means the apartment would have been {$3800.00} a month, i do n't make that much in a month let alone to pay rent for that high amount!!! I guarantee they can not verify that i lived there with out a lease with my drivers license and signature. The company XXXX XXXX XXXX is charging the debt to me for is no longer in business and you are reporting negative information that is a defamation of my character. Im a single mother trying to start my life again and these accounts are detrimental for me and my kids ... XXXX XXXX XXXX have charged me for a lease that 's not mines as well. Please have them validate correct or delete now!!!. i have included my lease from my pass address where i lived including the calculations and research from these supposedly apartments these creditors have purchased debt not mines ... thanks 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