BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: BlueChip Financial
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have a loan with XXXX. I hired XXXX XXXX XXXX XXXX to consolidate my payday loan debt and I pay them no weekly to do so. XXXX XXXX, XXXX XXXX has been calling my cell and work stating that he is representing XXXX to collect the debt. XXXX contacted XXXX and they still have the account and are settling for a lesser amount. The amount XXXX is asking for does n't match what XXXX   states the balance is either. The man has called my work 6 times in 2 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
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: Their investigation did not fix an error on your report

Complaint:
I recently disputed credit reporting of an account on my credit report with Equifax. I received a response from Equifax and the data remains incorrect. 

I have attached Equifax response, confirmation # XXXX dated XX/XX/XXXX. 

I am disputing the recorded date of first delinquency reported on my Equifax Credit Report for XXXX XXXX Account # XXXX. 

Statement of Facts : My Equifax Credit Report contains two mortgages : XXXX # XXXX and XXXX XXXX # XXXX. 

The First Date of Delinquency is recorded as follows : XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. 

The information provided for XXXX is correct, the first date of delinquency is indeed XX/XX/XXXX. In Equifax response to my complaint, they provide detailed month by month delinquency from XX/XX/XXXX thru XX/XX/XXXX. This mortgage stop reporting to Equifax in XX/XX/XXXX because it was transferred/sold to XXXX XXXX. 
I have included a copy of the transfer deed in this complaint to record the actual transfer of the mortgage. 
What remains incorrect is the reporting of XXXX XXXX as the date of first delinquency as XX/XX/XXXX. This is the same mortgage as XXXX, it was simply transferred to them in XX/XX/XXXX. 
The Fair Credit Reporting Act ( FCRA ) defines the Date of First Delinquency ( DOFD ) as the date a consumer first becomes 30 days late, and never brings the account current. 
This account were never brought back to current from the original first date of delinquency reported by XXXX ( XX/XX/XXXX ). A simple review of the payment history on my Equifax report shows this information. 
According to the Fair Credit Reporting Act 's Furnisher Rule in the Fair Credit Reporting Act, lenders shall prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers. 
Based on this information, the XXXX Account should be reporting the date of first delinquency as XX/XX/XXXX to match the XXXX Account. I have attached documents supporting this information to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX  ( two trade lines, the same creditor )

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 2019-07-25
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX   XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Vermont Student Assistance Corporation
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello! 

This is a short complaint and may mirror many other complaints concerning the APR on repaying student debt. 

I did forbear my loan now and then when my wife was in law school. This was many years ago and now I am turning XXXX and still have XXXX of my original XXXX to repay. 

I have paid the Vermont Student Assistant Corporation ( VSAC ) over 30K in interest since I graduated in XXXX. 

My fixed high interest loan pays more to the high rate per month than what goes on the principle amount. 

In XXXX, I paid over {$5800.00} in interest on my loans. 

I have complained before and only got a phone call from a worried VSAC about the complaint. The conversation did not lend any help. It was, instead, management at VSAC again blaiming me while I pay more than my monthly payment per month. 

The management was not able to assist in any manner. I asked that they assist in lowering the already front loaded high rate. No answer. I asked if they would help me since I am a XXXX employee, but I make too much to qualify for income based, 10-year repayment. 

I expect this complaint will be met with the same uncaring, inept managers that are covering their bottom line and hold on to me as long as they can. VSAC is no longer a lender, and appear to be less able to assist than they did back when they were a lender. 

My Senators and Congressman 's office all agree and contacted the Department of Education for me. Further, they assured me that they are drafting ways to help graduates pay for the high interest, front loaded loans. 

At this rate I will most likely carry school debt along with me when I retire. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I tried disputing the inquiries on my credit report but Experian does not let me dispute any of the inquiries online. I need the highlighted inquiries attached to this complaint to be removed 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 2019-07-25
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving an abundance of calls from Aargon Agency Inc. I have requested they ( he XXXX XXXX ) stop calling me. I'm not in debt with anyone and I don't know what the debt is for. I have not received a collection notice what so ever in the mail so I am not sure what the calls are in regards too-he keeps calling me after I personally advised him not too. He wont advise me what the debt is for.

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 2019-04-12
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Ncb Management Services re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, XXXX Consumers. I have pictures to show you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Account Control Technology, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Told them to stop calling me at work XX/XX/19. 
Was told by them in a threatening manner that they will continue to contact me at work. Called Me at work XX/XX/19.

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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I contacted TransUnion in reference to a large number of inquiries on my credit report that I did not authorize. I spoke with a representative at TransUnion about this issue and I requested that they remove these inquiries, but their customer service rep would not help take care of the negative inquiries reporting to my credit. The following inquires were NOT authorized by me : 1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX 7. XXXX, XX/XX/XXXX 8. XXXX, XX/XX/XXXX 9. XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11. XXXX, XX/XX/XXXX 12. XXXX XXXX, 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 explanation
Consumer complaint received 2019-07-25
Company: LCO Financial Services, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Blue Trust Loans {$1600.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff. After a few large direct debits from my bank account I examined my balance and was looking for an early payoff. There is no early payoff per se. The balance is now showing a pay in full balance of {$2400.00}!!! I refuse to pay {$2400.00} on a loan in which I have already paid over {$700.00} since XXXX. I called BlueTrust at the end of XXXX and most recently in XXXX to request a payout and payment plan to pay off the balance, they refused to update my account balance and offer a payout that aligns with my payments. They have continued to attempt drafting against my bank account.

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 2017-10-10
Company: SECURITY FINANCE CORP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2017 the Security Finance called my daughter on her cellphone number that was given as a reference ; told her your parents are 3 months behind on their payments with us- they owe $ XXXX amount and need to come in to take care of this. On XX/XX/2017 we contacted the Finance Company told them that was not proper to call and give out that information and the response was is XXXX XXXX still sick and in the Hospital oh but if you pay this amount we can re do loan but I 'm sorry for that - meaning the information given out. Even after I stated you are not allowed to give out that information I was told I know you are right but it was not 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 2022-01-12
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
On my XXXX credit report it is showing a delinquent 30 days late payment for my SYNCB/PPC with account # XXXX however the account wasn't even opened or delinquent for the month of XXXX in 2021. On my XXXX and XXXX credit reports there is no delinquency for that month or date or any 30 day late payment. I am about to go for a mortgage loan and this delinquency that XXXX is deliberately reporting is ruining my credit with this inaccurate information in which I would like this fixed as the payment was on time and the account wasn't even opened then.

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine PUBLIC  FILINGS US DIST CT XXXX not mine

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 2018-01-18
Company: World Omni Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The car was repoed. I spoke with a customer service rep and told her I lost my job and couldnt afford the car, I asked if they could come pick the car up bc I wasnt able to pay. No one never came until about 5 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: ROBINHOOD MARKETS INC.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My robinhood account was unexpectedly disabled with no reason following. All they said was it was security reason. I have been trying to withdraw my funds since XXXX and keep getting the runaround. I have traded many emails back and forth with promises of getting my account able to with draw money but then no response. I finally get a response stating- Thank you for your patience. Based on the information provided, we will no longer be able to support your account. 


This is a final decision, and your account will be scheduled for deactivation. 


Heres what to expect upon deactivation : Right now, all remaining funds have been reverted back to the source from which they were originally transferred. These funds should reach the sending bank account within 3 5 business days. 

Thank you for your assistance during your account review. We regret these circumstances, but we simply can not facilitate this type of account activity. 

I got this email on XX/XX/XXXX and of course no money has been returned. 

The most recent email states ( XX/XX/XXXX ) - It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. 
I can not get a response of what this refers to or what step I need to take. 

Email back on XX/XX/XXXX with screen shot below states -Right now, all remaining funds have been reverted back to the source from which they were originally transferred into your account from. These funds should reach the sending bank account within 3 5 business days. 

Any funds that continue to arrive into your account will be rejected automatically and sent back to the sender. Your account is now permanently deactivated. 

Please close all of your current positions in your Robinhood account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Amsher Collection Services, 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:
On XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting. 

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Attention to the consumer reporting agencies. XXXX, XXXX  and Equifax. I am a victim of the Equifax data breach and my information has been compromised. I am a victim of Identity theft. I submitted a complaint before to you guys but didn't get any response. I have provided proof of my Identity which is a photo of my passport. I have provided the Identity theft report with the Federal Trade commission. I also have a notarized letter as well that I will upload. I have not received any benefit from these fraudulent accounts or money. All I have is a ruined credit score. I beg you to help me out. I am trying to move on with my house and live the american dream. I submitted the documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21, I paid a person on XXXX titled " XXXX XXXX '' after I discovered a XXXX group called " XXXX XXXX for Adoption '' with the admin 's name " XXXX XXXX. '' I paid the amount of {$880.00} with the promise of a XXXX XXXX being shipped to me on XXXX XXXX XXXX at my nearest airport at XXXX XXXX. We were convinced this puppy existed due to several photos and video verification that he was a real dog. A shipping label was also given to us that tracked the puppy 's locations in-between flights. XXXX XXXXXXXX XXXX day comes and we arrive early at the airport to pick up the puppy at the baggage claim, but no flights were coming in at XXXX XXXX. 30 min after the promised arrival time, I get an email from the shipping service asking for {$1000.00} refundable customs fee to get past the Alabama airport. I immediately questioned this charge and after further discussions, I was blocked by XXXX on XXXX, kicked from his group, and got the shipping number erased from their website. It sucked to realize I was scammed, but I called my bank the same day and filed a scam/fraud claim about the earlier XXXX payment XXXX After 8 business days of waiting, I called and got told they found no scam or fraud and can not return the money. I am extremely frustrated this has continued to be ignored even as the facebook page continues to exist and scam more people.

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 2018-01-12
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
" Due to hurricane IRMA on XXXX XXXX, XXXX, we submitted an insurance claim for damaged and lost personal property. The insurance company made the check payable to us and Roundpoint Mortgage Servicing Company, NMLS ID # XXXX. We sent this check in the amount of {$3700.00} to them on XXXX/XXXX/XXXX for their endorsement and return but still have not received this check back. I try calling them and their phone system keeps dropping the calls. I e-mailed them with no response to date. We are trying to replace personal property and can not do this until we get the funds returned. It should n't take this long as their mortgage does not encumber personal property. This was explained to them in my transmittal letter sent with the check. It is making me nervous that they are unable to be contacted nor do they respond to my e-mails. '' This is the original complaint. We originally sent them the statement of loss from the insurance company on XXXX XXXX, XXXX which identified the payment for loss as " contents '' and also more recently the personal property inventory listing. Continue to have difficulty getting through on their phone system, no response to e-mails or messages left on their website and " Chat '' representative could n't help. Still have n't received our insurance proceeds.

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