BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-12
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In early XXXX I finished my process for loan consolidation. I was expecting those payments to be disbursed in early XXXX, and was aware that it would most likely be after my payment date. After explaining the situation to a American Education Services representative, I received more calls regarding the delinquent payment, but I was expecting them. Until I finally confirmed on XXXX XXXX that my consolidation check had been received. However the remaining balance had issues. The calls I continued to receive started with a request for 2 full months payments around {$80.00} each ( {$160.00} total ), but the remaining balance was only {$54.00}. 

On XXXX XXXX I confirmed with a service rep that the {$54.00} was all that I needed to pay to close the account. I was congratulated on paying the balance off, and transferred to the payment system. After paying that amount received a call on XXXX XXXX, again the rep asked for {$160.00}. After correcting her she then alerted me that the {$54.00} was short due to a late fee on the XXXX ( a day before I confirmed the number ). She said that amounts below {$5.00} are written off, and that I would be taken off the auto-dialer. I received a call today again asking for more than the balance, prompting me to make this complaint. Checking online to make sure I have the documents for this complaint, and the numbers do not seem to add properly either. 

I have attached texts taken from my account page on their website You can see that my payment of {$54.00} seems to actually cover the late fee, while a few other statements do not seem accurate as well. 

Considering the confusion, and the harassment due to their system prompting collection calls with inaccurate figures ; as well as the repeated assurance from service reps that this had been resolved, only to receive more calls ; and lastly the poor customer service I received today ( XXXX/XXXX/XXXX ) I was forced to make this complaint and am investigating options to hold AES accountable. 

They have for years harassed me due to the system they use, which prompts the calls for collection despite payments being made. They have been unable to assist me in closing an account because they have inaccurate statements. Now observing my payment history it seems the balances do not make sense, and I have to call into question how they have handled my account as well as others the entire time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29
Company: EQUIFAX, INC.
State: MA
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:
I have entered into a settlement with this company. I have 2900.00 remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last XXXX payments. Which is for XXXX each for XXXX more months. I need this account removed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I constantly get spam calls regarding my student loans. Today, I received a voice message at XXXX XXXX from XXXX-XXXX-XXXX  from XXXX XXXX from Navient. She claims that due to a settlement, my student loans are eligible for forgiveness. ( Navient is not my loan servicer ). For completeness, I called Navient and confirmed that they do not offer loan forgiveness over the phone ( obviously ). I wanted to file this report so vulnerable others are lured into this deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
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: Public record information inaccurate

Complaint:
I have a Bankruptcy Chapter XXXX listed on my XXXX, XXXX XXXX and Equifax reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received an alert from my credit monitoring service of Portfolio Recovery Associates, LLC attempting to collect on a debt that I do not owe. Account number XXXX XX/XX/XXXX I sent a certified letter requesting debt validation. The letter was received and signed for on XX/XX/XXXX by someone named XXXX XXXX. 
XX/XX/XXXX I emailed XXXXXXXX requesting debt validation. I received an account summary dated XX/XX/XXXX which states VALIDITY. Im not requesting validity my request is for DEBT VALIDATION. 
XX/XX/XXXX I emailed XXXX requesting debt validation again. Once again I received a letter dated XX/XX/XXXX from the Disputes Department as an account summary. My request is for DEBT VALIDATION XX/XX/XXXX I emailed XXXX once again requesting debt validation and to advise them I would not accept an account summary as debt validation. Its a big difference in the two. 
XX/XX/XXXX I emailed all three credit bureaus advising them that Ive requested debt validation from Portfolio Recovery and as a consumer debt validation must be provided. 
XX/XX/XXXX I sent yet another certified letter which was received and signed by a XXXX XXXX. No response as of today. 
Ive used every resource provided by the credit bureaus and Portfolio Recovery to get this inaccurate information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I need this Settled account removed off all 3 credit reports. this account has caused me alot of problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Innovis
State: UT
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:
Valid police reports are attached to this complaint if in the future a creditor willfully tries to report a debt account to my Innovis report. I have also attached the Detective from the police department. He specifically stated to seek the cooperation of the credit bureaus in this matter. I am requesting for you all to be in compliance of the law in these matters. Feel free to reach out to the police department in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has not updated my Credit report and score in XXXX. A lot of the information is incorrect. I have made multiple attempts to reach out to Experian I was rerouted to the automated system each time. Experian automatic system does not help with any questions, it only gives you the website to file a dispute. If my credit report and score with Experian would have been updated monthly like it suppose to be, I would have received the business loan I applied 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 non-monetary relief
Consumer complaint received 2017-11-12
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX, AND ALL AFFIATES HAVE SINCE XXXX VIOLATED T.C.P.A., F.D.C.P.A,  F.C.R.A. AND COLLECTING ZOMBIE DEBT. 

FINALLY, ENCORE CAPITAL AND XXXX COMPANIES HAVE VIOLATED : " THE XXXX XXXX XXXX XXXX AND CONSUMER PROTECTION ACT 2009 H.R. 4173 ( 11Th ) CFPB 2013 TITLE X, INFRACTIONS ABROAD. 

SEE ATTACHED EXHIBITS AND DISCOVERY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this complaint is against resurgent capital. they are reporting a debt to all 3 cras that belongs to a XXXX   XXXX im XXXX XXXX ive tried to resolve it though credit bureau disputes and the XXXX but there holding tight to this incorrection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery Assiciates, LLC and XXXX have and are in violation FDCPA, FRCA and 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX   AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, I never authorized any transactions or any account to be reported on my credit file. 
According to the Fair Credit Reporting Act, legally these unauthorized items must be removed and immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-14
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not own this account. Please remove off credit. 
Collection Agency NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thank you for providing a copy of all the communication from XXXX until charge off date. 

I observed that XXXX provided creditor information on some letters and not on other letters. I would request that on all communication which didnot have creditor information, XXXX reveiew its record once again and provide the name of the creditor on the date that communication was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX on my Experian credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.

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 2020-02-17
Company: Experian Information Solutions 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:
Incorrect Balance, Account paid in full and closed. no late payments, no collection, no charge off. Satisfy 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 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: Account information incorrect

Complaint:
Incorrect Balance, Account paid in full and closed. no late payments, no collection, no charge off. Satisfy 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 2017-07-07
Company: EZCORP, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out some loans against EZ Pawn. I was told a couple of months ago that I had paid over 23,000 in interest to them. They would repeatedly text me and call me. I was very ill in the hospital and hooked up to XXXX 's when they would call me and tell me that I had " better get down there '' to make payments to them. I had to send a friend down to make payments to them. I would pay them and mail in money orders and cashiers checks to them and tell them which loans to extend only to have the dropped anyway. I am very upset that I paid so much in interest to wind up with nothing. I would not have paid them this much money had I not been pressured so much. I am very upset about their tactics. I feel that this has been a no-win situation and feel very stupid and a a big sucker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX KEPT CALLING MY CELL NUMBER 'S 3 TIMES AFTER CEASE COMMUNICATION NOTICES. 

3 CAALLS DATED XXXX/XXXX/XXXX 3 COUNTS OF DEBILERATE CALLS TO CELL ( SEE ATTACHED PHONE RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Novad Management Consulting LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I sent an email to Novad Consulting to request a payoff quote and was advise that I would be receiving the payoff quote within 4 day But I never received the quote. I then called on XX/XX/2021 to confirm that my submission for a payoff request was processed but I was advised that no payoff request was on file, I then proceeded to once again request a payoff quote and again was advised of the 4 day timeframe. On XX/XX/2021 I once Again submitter a payoff quote to Novad And spoke to XXXX who assured me that I once again would get a payoff quote within 4 days. Ive sent numerous emails Two XXXX and have not gotten any response. On XX/XX/2021 I called Vovad 4 time waited on hold for 3 hrs and spoke to XXXX who stated that she did not have access to my account, I request a manager and was cold transferred to a female my the name of XXXX who kept repeating that she could not do anything but send an email to that department. I asked for the phone number to call The department direct and she said she could not give that information out, she then hung up on me and said I was finished. Reference call # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently placed an order with XXXX ( order number XXXX ) on XX/XX/22 and was promised that my items would be delivered today at noon if I opened a Goldman Sachs Apple account. After placing the order I was told that 80 % of my order would be delivered at a date much longer than the promised date. Upon contacting Apple they refused to do anything and I just noticed that Goldman Sachs has pulled my credit! So I was sold products with a promised delivery date and then said terms were changed AFTER my credit was pulled and an account opened in my name!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have entered into a settlement with this company. I have 2900.00 remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last XXXX payments. Which is for XXXX each for XXXX more months. I need this account removed. 

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