BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i spoke to a lady on the phone and she said this account should not be in collections also. the loan was already sent to a new company over a year ago they are stopping me from buying a house from reporting the wrong info i need a letter stating this account should not be on my credit report, and remove it from my 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 2019-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX my wallet was stolen along with my debit card, phone and other credentials. I have an account with Bank of America. Initially I was told that temporary funds would be given to me in three days until the issue was resolved. Now it appears they are giving me a hard time about my money. My account was basically wiped out. The total came to slightly over {$1300.00} I explained I have financial obligations and I need my money. I have been receiving the run around and no clear answers. I am XXXX years old and in a terrible predicament not of my doing. I would appreciate any help you can provide. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: SECURITY FINANCE CORP
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The finance company because I've sued for fraudulent insurance products sales and withholding loan copies of signed contracts by both parties. I was sold insurance products when I met requirements approving me for this loan by this manager But promises were made to me during the signing purchasing of XXXX and other insurance products of the contract but there was no basis of truth to that promise made by this manager and this finance company which delaying and refusing to pay my insurance benefits by this finance company. The manager and other loan officer at this location has wrongfully denied me access to refinancing my loan as retailition because I filed a insurance claim to receive insurance benefits I was sold and paid for which was included in my loan but has abused their authority and used fraudulent acts against me by willfully denying me access to my renewal amount at the time of XX/XX/XXXX and the renewal amount I was suppose to receive was XXXX included fees against me to increase her commission. 
Also credit card, and debit card payments were called in over the telephone at this finance company and accepted without signed permission in writing prior to taking the payments and not applying proper credit to the balance of my loans. Which violated SC, NC and Federal Law and my rights willfully denying the same. Renewals and telephone renewals were given by this managers friends and other customers but I was denied renewal of my loan as retailition of filing a insurance claim previously. As long as I accepted her previously excessively charging me high interests rates, not requesting customer copy that e both signed and not letting hr throw them in the trash and or keep them I was allowed to renewal of my loan there since XXXX. I was hurt by this finance company 's retailition against me causing hardship on me financially and my good name since I filed my claim which I should add I tried everything in my power to prevent in emails. The last call from this manger that abused her authority and retailited against me. They tried for a year to deny and prevent me from filing a insurance claim stating I never bought XXXX insurance PMT but I produced my customer copy I had to ask for or she wouldn't gave me a customer copy that we both signed.

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 2020-04-29
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391.  Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has charged me for a balance that I do not owe. I reached out to them and discussed the matter and they told me they would clear out the account to zero. A years later, this account is still appearing on my credit reports and compromising my score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello, This is XXXX XXXX. I have been trying to resolve inaccurate credit reporting for over 6 months. I have talked to XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX , and Experian to update a late payment alert on my account. I have resolved the issue with my bank and financial company, but the both Experian and XXXX have refused to assist me with this issue. I have filed over 5 disputes over this issue and this still has not been resolved. I plan on purchasing a home in the next year or two and it is crucial that this gets fixed. Please assist with this issue as soon as possible. 

Best, 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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the Metro 2 system and FCRA and they keep claiming for VERIFED and ACCURATE.

DAte opened, last reported, date last active all wrong and inconsistnet

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 2022-08-12
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
There are a few issues we ran into with Upstart 1. When we encountered recent financial hardship, Upstart presented " hardship payment '' options that did not really address the monthly payment long-term or the loan itself, and was not helpful as advertised. 

2. Upon further review of the loan agreement, it was found that the terms are predatory as almost a year paying into the loan has not even resulted in {$900.00} of the principle being paid off ( note, monthly payments have been {$350.00} a month ). We agreed to these terms under financial duress ( previous financial hardship ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: ALLY FINANCIAL INC.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ally Bank has been made aware of Federal Social Security deposits made into my checking account with them however the funds have been blocked several times including now. I am entitled to have access to my social security payments yet they have my account in a deposit only status which is a crime to place this type of HOLD on Social Security payments. I am reaching out to the CFPB to get involved in the matter as I have spoken to Ally bank about this several times. Regardless of overdrafts occurring at times they are not ALLOWED to block SSA payments from use.

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 2020-10-09
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a notification that I had a new account added to my credit file. I looked at my file and noticed that it was a fraudulent account that had been placed by on my credit file. I first interacted with this company in XXXX of XXXX. They placed this account on my credit report and I contacted the company telling them this was not my account. I was told I had to pay it. I then went to the hospital that had this fraudulent account and showed them proof that I was not in the state of Ms to receive services from their company. The woman in the business office told me it would be taken care of and about 2 weeks later the account was taken off my credit file. Now here it is, a year later and this company has placed this fraudulent account on my credit file again while I was in the process of trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: ARC Management Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This medical collections company started calling my cell attempting to collect on debts from someone else. They confirmed on 2 separate occasions that it was not my debt ( it was for a XXXX  bill from an imaging office in XXXX XXXX, FL ). The company also released the name of the debtor to me on one of my conversationswith them. I told them twice to remove my number : on XX/XX/XXXX and XX/XX/XXXX ; but they continue to call me. Last call received on XX/XX/XXXX. 

Caller ID shows either " Bill collector XXXX hospital '' or " XXXX XXXX XXXX ''. 

It was also curious that they started calling on the first days the COVID19 stimulus deposits started coming to people. I've never before gotten collections calls on this number since I got it four years ago ... so, it looks some of these collections companies are culling through old lists attempting to coerce or bully people into paying now that they have these stimulus funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep receiving phone calls at work from a company called Portfolio Recovery ( XXXX ). My coworkers have also reported that they have received calls from Portfolio Recovery asking for me. I have asked them to stop calling my work number and have told them that I am not allowed to receive calls at work. They called again today at XXXX. I do not know how to get them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on 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 2018-10-25
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:
My XXXX  student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from XXXX XXXX, SAGE STREAM, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Nelnet, Inc.
State: TX
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:
the problem listed on the prior webpage is the same as mine ... paid forever and many fees added -- owe more now than ever ... My loans were sold to a private institution ( preventing me from ability to receive forgiveness -- without my knowledge or consent ). 
I have worked as a XXXX XXXX XXXX, as a XXXX in a State University ( XXXX ), and as a XXXX XXXX XXXX -- for a cumulative total of over 15 years ... No forgiveness me though ( guess I am too XXXX and a male or something like that ) and I owe more now than I originally did -- despite 15 years+ in payments -- very discouraging! I believe I have paid interest now totaling approximately {$45000.00} and owe more today than I originally took out in loans... 
Doubt you will help! Keep making that money... 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
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 pulled my Credit Report and found XXXX/XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XX/XX/XXXX I wrote XXXX/XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX/XXXX received the certified letter on the date of XX/XX/XXXX. 
XXXX/XXXX responded on the date of XX/XX/XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX, Equifax, XXXX and XXXX. And further state that they can not delete or modify the status as it reported. 
XXXX/XXXX sent another letter in response to the first letter. XXXX/XXXX  also states that the account in question was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX/XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XX/XX/XXXX I wrote another certified letter to XXXX/XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX/XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 
OnXX/XX/XXXX I pulled my credit report to find out if XXXX/XXXX had marked my credit report as disputed. And found that XXXX/XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX/XXXX on that date ofXX/XX/XXXX notifying XXXX/XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by XXXX law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for onXX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX/XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX/XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX/XXXX has failed to respond to the certified letters I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, I am in the process of purchasing a home and the loan officer requested I lift the freeze on my credit. I was able to easily temporarily lift the freeze with XXXX  and XXXX. 
Regarding Experian I've tried their online form and called all different numbers listed on their site. I also have the pin number they provided when I placed the freeze years ago. 
I've been trying for three days to speak to someone and am unable. I've called all the numbers listed on Experian 's website followed instructions and just get an automated loop nightmare. I've also contacted them via email and received no response. I also tried to create an account with them and couldn't. Experian is making it impossible for me to request a lift on my credit which is preventing me from obtaining a mortgage. Something I need to do immediately! 
I also contacted Experian 's business line and I was able to speak to a person who gave me the instructions on how to get to a human but it did not workout. I am unable to get to the option of unfreeze my credit. I am only provided with the option to freeze my credit or place an alert to my credit. These are all the numbers I tried : XXXX. Customer Service. 10 mins. XXXX. 
XXXX. 
XXXX. Corporate Offices. 7 mins. 
XXXX Credit Reporting. 35 mins. 
Customer Service. 
XXXX. 
sent email to : XXXX. Customer Service. 
XXXX. Fraud Detection. 10 mins. 
My wife as tried as well with no success. 
There is a glitch with Experian 's network and is preventing consumers from getting access to their credit. 
I look forward to your response. 
Kind Regards, 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