BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$990.00} on the XXXX XXXX XXXX, - partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I never opened up an account with XXXX  and never gave permission for an account to be opened in my name. Furthermore, the company is inactive. Please see page attached. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-17
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: Account information incorrect

Complaint:
Equifax Credit Report confirms XXXX XXXX XXXX  Account STATUS OPEN opened XX/XX/2004 Limit {$6.00}, XXXX XXXX Bal. THIS APPEARS AS AVAILABLE CREDIT PREVENTING MORE CREDIT. * Also Credit Report confirms NO PAYMENT HISTORY HAS BEEN REPORTED BY THIS CREDITOR. I believe THIS FIX WILL INCREASE MY CREDIT SCORE when accurately reported by XXXX XXXX XXXX. I HAVE EXCELLENT CREDIT THEY DO NOT REPORT? I request this status be closed AND I request my good credit BE REPORTED TO ALL 3 CREDIT REPORTING COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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:
I do not owe for this account this was an account maybe owed by someone else other than my self. I have not authorized this account and services were never rendered to me. Its a medical bill sent to collections that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Carfast Financial Holdings
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have a retail installment agreement with XXXX XXXX, XXXX. ( Control # XXXX ). The company has been accepting payments for 8 months in accordance with that contract. On XX/XX/XXXX I was called into the office to get my GPS device services and the clerk, XXXX, stated that the firm had lost my financial documents a second time. After a very difficult day with the firm I agreed to a few changes in the contract given that some information had previously changed. 

Despite my car note being paid in full XXXX XXXX, XXXX repossessed my car on site with XXXX and another associate blocking in my car. I had to call the XXXX Police to regain possession of my vehicle. 

On XX/XX/XXXX I requested a copy of my complete file so that I could make sure my interest rates and loan terms did not change from the XX/XX/XXXX retail installment agreement. 

I 've made attempts to contact the firm to speak with a manager but have been denied consistently. On XX/XX/XXXX I called and XXXX hanged the phone up. On XX/XX/XXXX I called and was transferred to the maintenance department who " the manager '' ( no name provided ) informed me that the General Manager was present but would not be available to speak to me and he ( " maintenance manager '' ) had the authority to screen and gatekeeper the call. 

The documents I requested via email on XX/XX/XXXX were very specific : 1. A copy of my original retail installment agreement dated XX/XX/XXXX 2. A copy of the Privacy Notice upon signing the loan application. It was not provided to me and the managers at Car Fast Financial has made statements to XXXX XXXX XXXX about the details of my loan. I was later mocked by members of the maintenance department that I was not approved for outside lending ( how did they know that for sure? ) 3. I requested a statement from the company that Car Fast Financial has the physical possession of the title for my car. 

The company has on no way made any attempts to honor any of my requests. I 'm making a complaint in hopes that I can get the information I need in order to avoid legal action.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-03
Company: ACIMA CREDIT, LLC
State: NC
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 sent a letter back in early XXXX to Acima requesting that they do not furnish any of my information to the Credit Reporting Agencies. They ignored this request and furnished the information anyways. 15 USC 1681 2 ( a ) ( i ) clearly states that any transaction or experience between the consumer and person making the report is to be excluded. This means that they are not to furnish my credit limit, payment history, or remarks. This is the Law and they have clearly violated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Navient Solutions, LLC.
State: OR
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:
In XXXX of XXXX I filed my income driven repayment plan like I always do. Navient is one of my lenders. The other three lenders accepted my repayment plan but Navient did not. I was not aware that they rejected it. I did not receive letters even though they stated that they sent them. In XXXX of XXXX I filled my taxes. I was supposed to get {$5000.00} back. Navient put in an order to take my taxes only four months after they rejected my income driven repayment plan. I had to call them and they would not give the money back. I set up a payment arrangement for {$5.00} a month for a year with the collection company they sent me too. I was a single mom and that is all I could afford. After a year I was able to stop paying the {$5.00} and then they accepted my income repayment plan. I have never had any issues with my other lenders accepting my repayment plans but Navient went after me. I felt completely scammed. I absolutely hate working with them. This year I filed my repayment plan with them and all my other lenders give me a {$0.00} balance to pay every month. Navient came back and said I owed {$50.00} then month. I had to call and ask them why. They had to reopen my file and they said it 's because when the paper work was processed by them it did not take my other loans into account. They fixed it right away so I had a {$0.00} payment every month. I have to really watch my loans with them because they are always trying to pull something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: United Group Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This loan was defaulted do to them not working with me on payments the loan was closed and written off but they still continue to add XXXX dollars every month to the amount even with no open account and a profit and loss write off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Today at about at XXXX/XXXX/2017 at XXXX XXXX while looking at my transactions within my PayPal account a negative balanced of XXXX dollars and XXXX cents appeared after a refresh of the page that has no details associated with it. When I clicked on the details button regarding that mysterious negative balance of XXXX dollars and XXXX cents it takes me to a page to add money to cover the balance without any details explaining its appearance. I suspect fraud and negligence by the company. I contacted the company immediately for some clarity on the matter and waiting for there response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: TN
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:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: NH
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:
Remove all written statements. I haven't asked for any statements, and if I did, I want them to be removed from " credit report ''.

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 2019-06-19
Company: CCS Financial Services, Inc.
State: NJ
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:
Ccs Collec..Reported on my credit report XXXX  2 collection from XXXX XXXX and XXXX XXXX.Both this accounts did not belong to me i ask for a prove and they do not haved. I do not have any policy under my name and i do not have a car under my name.All the information that they have are incorrect.The are over 140000 complaints against this company they try to brake down peoples credit and XXXX just for money.They have no real prove to provide against me they told me that they get those info from a third party agency and they are not responsible to provide a prove

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: SUNRISE CREDIT SERVICES, INC
State: CA
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:
Sunrise credit services called pretending to be a collector for XXXX XXXX XXXX XXXX. This time, they used the number ( XXXX ) XXXX ( although they seem to be using different numbers every time ) and they called on XXXX/XXXX/XXXX at XXXX XXXX. They claimed I had $ 50+ unpaid balance. Since I had previously confirmed directly with XXXX XXXX XXXX that I had no remaining balance, I requested that they give me the account number associated and they gave me an incorrect number. I told them the number I have is not the same and that they were looking for someone else. They denied this and insisted that it was my account and that my credit was at stake. Then, they asked me to confirm with my social security number, which I declined. They then said that they will discuss it with me later and abruptly hung up on me.

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 2020-02-17
Company: AES/PHEAA
State: OH
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:
In XX/XX/2003, Pennsylvania Higher Education Assistance Agency ( PHEAA ) received a ( product of identity theft ) Federal Family Education Loan Program ( FFELP ) application and Master Promissory note. The Master Promissory Note states that the lender is XXXX XXXX and the guarantor is American Education Services ( PHEAA ). The educational program is XXXX XXXX College. 
This appears to be a successful scheme to defraud the borrowers. The application was NOT sent to XXXX XXXX but directly to PHEAA 's XXXX PA address. According to PHEAA, the loans were provided by American Education Services ( PHEAA ) as a private loan and were later directly consolidated by PHEAA 's private trust. Since the private student loan is NOT a Federal Student Loan and did not involve XXXX XXXX as the lender, the borrowers were not aware that the protection of a Federal Student Loan program were denied them in this process. 
PHEAA then implements fees, costs and penalties outside the Federal Student loan protections and without consent or knowledge of the borrower. 
I have requested a copy of the agreement between XXXX XXXX ( and any subsequent SEC filings for the agreement ) through the Pennsylvania XXXX office and PHEAA has denied the request. 
PHEAA then utilizes the fraudulent Federal PLUS loan Master Promissory Note to obtain Department of Education tax offsets and wage garnishments from the borrower for private loans in violation of Department of Education rules. I was told by a Department of Education Loan Analyst that this is a " handshake '' deal with PHEAA. 
The scheme is initiated by the alleged agreement between XXXX XXXX and PHEAA to defraud borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Bankruptcy 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 2017-11-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.

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 2017-11-12
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: Account information incorrect

Complaint:
Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.

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 2020-02-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Moneygram closed my account online when I informed them not only of the delays, but also on the fact that Money Laundering activities may be overlayed on top of my transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Santander Consumer USA reported a credit inquiry to my credit report as a hard inquiry. I have never applied nor want to apply for credit with Santander. 

I have contacted Santander and they refuse to help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
About three weeks ago I opened a new Discover XXXX XXXX account with an online promotional offer. According to this offer, after I deposit XXXX balance, I should receive XXXX  bonus credit in my XXXX savings account. Then I deposited XXXX to my XXXX savings account over two weeks ago. However, so far I have NOT received the XXXX bonus in my account yet. 

I have a friend who opened the Discover XXXX savings account around the same time as me but he has already received his XXXX bonus. But I have NOT received any bonus yet. 

I request Discover Bank to post the {XXXX to my Discover XXXX savings account immediately without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened this card at Marshall 's inXX/XX/XXXX. I paid the entire balance off each month on this card. Then in XX/XX/XXXX they contacted me and told me that I was past due about {$600.00}, I told them that I always paid the balance off and asked how could I be past due. They did not have an explanation and now I found it listed on my credit report as in collections for {$930.00}. This is not correct and I need help to get this straightened out.

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 2020-02-17
Company: V and H Portfolio
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company of Vance and Huffman have bought a debt that is well passed to time able to sue. They reported it to my credit with an incorrect date and made it look like it was a new collection not one from XXXX. Also the company to which this debt belonged to is no longer in business, Dissolved in XXXX but no activity since XXXX. The company reported to my file that the collection was opened in XXXX but wasn't reported until XX/XX/XXXX. This company has also called my wife 's cell phone which was not on the loan along with my mother 's cell phone and my brother 's cell phone. In all these call they threatened to sue. It is my understanding that they can threatened something they can not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: Experian Information Solutions 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:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and the police. I'm dong this on my own behalf. There are still items on my credit that are not mine. XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: EQUIFAX, INC.
State: CA
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:
I have paid a large amount on my " XXXX Credit Card, '' but in Equifax system appears as if the balance has increased. I do have a paid service with Equifax for a long time. 
I have tried to enter a dispute claim in Equifax website, but system is not working. 
I do have copies of the current balance in my credit card and also a copy of what Equifax is showing in my file. 
It is strongly suggested to others, to monitor their credit cards, balances and credit reports very closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL 3 BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OF X/X/2017 THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ON X/XX/2017 TO BE REMOVED.

Company response to consumer: Closed with explanation