BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving numerous harassing phone calls from United Legal Group after I asked them to stop calling me. I last received a voicemail message from them on XXXX. I believe they are harassing me to try to collect a debt that I do not owe and that is also zombie debt or time-barred debt. I believe the debt is time-barred because a representative at XXXX told me the debt relates to a medical bill that was delinquent in XX/XX/XXXX. However, the company reported falsely that the debt became delinquent in XX/XX/XXXX on my credit report with XXXX and XXXX. The information on my credit report identifies the reporting company as Credit Collection Bureau, but this appears to be the same company as United Legal Group. The phone number and address are identical to those used by United Legal Group. United Legal Group has called me numerous times and left numerous voicemail messages even though I asked them to stop calling me several months ago. In addition, they never have identified why they have been calling me. They either hanging up the phone when I answer or they will play a recording instead of a person coming to the line purely done for the purpose of harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: TX
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient calls me and my mother who is my co-signer excessively. I can't believe I've been paying these two loans for 10 years and they still won't make it affordable especially where I live. I went back to college 10 years ago to get a better job but I live in Ohio and my area code is XXXX. We live in a village. There are no jobs here. None. I can't tell you how frustrating it is. 

But my husband is sick and we can't leave. So therefore I'm trying to make the bills with my job and my husband 's XXXX. It's hard. I thought for sure going to college would make a difference in our income but it hasn't yet. That's been 10 years ago. Navient has told me over and over I can't release the co signer my poor mother whom is XXXX   years of age. So I keep trying over and over again. 

Navient hasn't helped me much over the years. Excessively calls through auto systems, they also didn't help to lower payments, they also said there was no way to release my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a bill from XXXX XXXX XXXX. I owed XXXX I sent a letter XX/XX/XXXX to inquire verification of debt. I asked them in writing for more information on the their company as well along a copy of the judgement against me. I did go to University XXXX XXXX for a semester XXXX, my cost was to be XXXX. I paid back around XXXX .Cost sent me another bill from them XXXX along with a generic promissory note with a date XX/XX/XXXX which I went to school XXXX. I just want to know what they are charging me for, I want a breakdown of what I am paying for and they will not give 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 2020-09-11
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX I was contacting the Central States Recovery, XXXX KS, company for the first time, I spoke with XXXX XXXX and I was asking them about the debt I had of XXXX with XXXX XXXX XXXX XXXX I was told that if I didnt start a payment plan with them I can face possible charges and was asked to give my bank account information so they can pull the payments out directly or the debt was going into an attorneys hands, I refused to give them my account information but I told them I will call them back with a payment. I felt I was forced to start a payment plan, that I could not possibly obliged by due to the Covid 19 and my job cut out my hours. After a few months on XX/XX/2020, I called and I spoke with XXXX XXXX again, and I asked if I could just pay half of XXXX as a lump sum to remove my account, she told me no and said, you need to start a payment plan with us, because XXXX XXXX ( original collector ) is already handing the debt to an attorney and they are preparing to file a suit against you. I have not received  any paperwork of a lawsuit happening, but the mental distress this has caused my family. We are dealing with financial hardship and the threats of being sued in this vulnerable time and the way this company treats and talks to us, knowing Im going through hardship. I felt I must report them because this company threatens to sue so easily in order to get a person into a payment plan that is to expensive to afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
My student loans were transferred from Fedloan servicing to XXXX and then were paid off via pslf. Fedloan does not seem to exist as a company anymore and its impossible to contact them. My old fedloan account is still showing up on my credit report as being open with a balance which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am being reported to XXXX XXXX and I don't think I should be reported to XXXX XXXX.They sent out an affidavit to me.So I could sign it so they can investigate the claim.They changed my account over with my permission and authorization.But didn't really help me.So I changed it back.They promised to help me and the first rep promised to help me with a payment arrangement and extension.The account shouldn't been charged off There is a valid claim on file.I want this matter investigated asap.I want the account reopened or I want to be able to reopen the account and continue my banking history with bank of America.I want the claim investigated.I want to sign the affidavit.Bank of America is reporting incorrect and inaccurate information to a consumer reporting agency.The consumer reporting agency is XXXX XXXX.My account shouldn't been charged off.I still have a valid calim on file that hasn't been investigated.When is it going to be investigated. 
I will be filing a XXXX XXXX dollar federal class action lawsuit in US District Court Federal Court.I am a law sudent.

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 2021-04-08
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ON XX/XX/2021 WE PAID OFF MORTGAGE TO FREEDOM MORTGAGE. AT THAT TIME, A DUPLICATE PAYMENT OF MY TAXES WERE PAID, ONE BY FREEDOM MORTGAGE ( WHICH I WAS PAYING THROUGH MY ESCROW ACCOUNT ) AND ONE BY ME WHEN WE REFINANCED WITH ANOTHER BANK. I CALLED MY TOWN AND THEY INFORMED ME THAT I WOULD HAVE TO CONTACT FREEDOM MORTGAGE FOR THE REFUND OF MY TAXES IN THE AMOUNT OF {$2500.00}, SINCE THEY HAD ALREADY RETURNED THE FUNDS TO THE MORTGAGE COMPANY. I HAVE MADE 10 CALLS TO FREEDOM MORTGAGE AND STILL DO NOT HAVE MY REFUND. I HAVE REACHED OUT TO SUPERVISORS ( WHO PROMISE TO CALL ME BACK AND I DON'T GET A RETURN CALL ). SOME OF THE SERVICE REPS I HAVE SPOKEN TO WERE - XXXX, XXXX ( HUNG UP ON ME ), XXXX, XXXX, XXXX, XXXX ( SUPERVISOR WHO WAS SUPPOSE TO CALL ME BACK AND NEVER DID ) AND MY LAST CALL TO XXXX ON XX/XX/2021 ( WHO PROMISED ME A SUPERVISOR WOULD GET BACK TO ME AND SHE WOULD ALSO GET BACK TO ME THAT SAME DAY - NEVER HAPPENED ). AT THIS POINT I AM BEYOND FRUSTRATED.IT HAS BEEN 65 DAYS SINCE MY MORTGAGE HAS BEEN PAID OFF AND I DON'T UNDERSTAND WHY IT IS TAKING SO LONG TO RECEIVE MY REFUND? I UNDERSTAND THAT PROCESSING TAKES TIME, BUT BY NOW I SHOULD HAVE MY REFUND. THE MOST INFURIATING PART IS THE LACK OF FOLLOW UP ON THE PART OF FREEDOM MORTGAGE.

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 2023-01-10
Company: HYUNDAI CAPITAL AMERICA
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:
An unapproved credit check/inquiry was accidently made by an employee at a Kia dealership on XX/XX/22 but Manager has neglected to respond to any calls or emails made. Very little response was made during the beginning until I completely stopped getting any kind of responses from XXXX the Manager; but when trying to resolve what seemed to be an easy request of a Statement has been drawn out for almost a year now. 

I still have proven dates of when phone calls where made, what was said in them. As well as any following emails I have sent to XXXX. 

XXXX XXXX Kia Dealership XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX - Managers Email XXXX XXXX - Associates Name

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 2022-07-25
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instruction

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 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 letter back from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. The letter indicated that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from 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 2019-09-05
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:
Ive sent numerous letters and they refused to investigate the errors and inacuracies. Per the fair reporting credit act they are supposed to investigate and resolve any errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom this may concern, I have tried multiple times to fix the inaccurate personal information that's on my credit report and this bureau refuses to remove the inaccurate. I have attached proof of address and name with my drivers license and home of record. This has not changed. I will attach dispute paper with accounts that are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: COLLECTION BUREAU INCORPORATED
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with Collection Bureau Inc on today XX/XX/2020 @ XXXX XXXX and spoke with XXXX ( one of the managers ) and another manager who didn't want to provide her name. I've been asking for over 6 months for this company to dispute the amount is due with the original client which is XXXX XXXX  and they fail to do so. I reached out to XXXX XXXX ( XXXX XXXX XXXX  to be exact ) and spoke with the property manager. She informed me she never received any type of dispute from Collection Bureau Inc. At this point the CFPB should investigate and shut this company down by responding with false and fraudulent  information. The managers admitted via phone they don't have any documentation stating they reached out to the property. I would like for this company to provide a response with the current date XX/XX/2020 documentation. My next step will be contacting an attorney and taking this company to court and letting the judge listen to the phone call from today XX/XX/2020 in which the supervisor admitted they don't have any documentation from XXXX XXXX. Also, I did not sign a lease with this company I would like to SEE MY SIGNATURE ON THE LEASE that signature on the lease does not belong to me. Its a computer generated signature its not my signature. I would love to take this case and file to court. I wasn't even in town when this lease was generated I was in XXXX, MN at the XXXX XXXX having XXXX. Please provide to the CFPB a copy of the lease and a copy of my drivers license which shows my signature. It does not match because I did not sign a lease with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: 2288984 Ontario Inc.
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sent email to them on XX/XX/XXXX advised them not to contact me. 
Contacted them on XX/XX/XXXX to make settlement. Got email back wanting more information, sent that to them. Still did not want any more calls. They then called that same evening. 
Then on XX/XX/XXXX they called again I called them back and told them no more calls they said they would no longer contact me and she was blocking all communication. 
XX/XX/XXXX they called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: MoneyLion Inc.
State: TX
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:
A fraudulent account was set up in my name by a company named MoneyLion ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, XXXX, and XXXX. I immediately contacted MoneyLion again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though MoneyLion is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-01-10
Company: EQUIFAX, INC.
State: MI
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a credit card with USAA and on XXXX XXXX, XXXX, paid off the entire balance of {$4100.00}. Around XX/XX/XXXX, I received a statement with {$33.00} in finance charges. I was not expecting this because every month the finance charges were assessed at the end of the billing cycle between the XXXX - XXXX, which is when I made the payoff payment, I called to question the finance charges and ask for them to be reversed. The representative would not reverse the charges and was very rude to me. I refused to pay the finance charges and closed my account. A few days later, on XX/XX/XXXX, the finance charges were automatically taken out of my checking account without my authorization. I called USAA to make a complaint and was told I had to wait 10 days. I made a complaint with my bank, and on XXXX XXXX, XXXX, the money was returned, but the credit card account was hit with a return check fee of {$25.00} and an interest charge of {$.00}, and nothing had been done regarding the fraud. Today, XXXX XXXX, XXXX, I see a credit in my checking account with the description XXXX XXXX XXXX for {$33.00}. which made me check my USAA account where I see all the charges, I again call USAA to explain the situation and ask for the finance charges and fees to be reversed. The USAA rep took a record of my complaint and transferred me to another dept. This happened several times until I reached their fraud dept. USAA 's fraud dept refunded me {$50.00}, leaving a {$9.00} balance on the credit card, still insisting I owed the finance charges and again did nothing regarding their fraudulent act of making unauthorized automatic payments from my checking account. 
I had authorized payments scheduled to come out on the XXXX of the month. I turned them off in XXXX before I made my payoff payment. There was no automatic payment on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX, only the unauthorized one on XX/XX/XXXX. 
USAA may say I owe them finance charges, which I do not, but they have no right to take money from my checking account without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation