BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Risecredit, LLC
State: TX
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:
I have been reaching out to this company via email and phone for a few months requesting an accurate payoff. They keep giving me an amount that I disagree with and they will not tell me how they are reaching the amount of {$870.00}. Per a phone call, I was told it did not include accrued interest, but that is all they would say. I have requested numerous times for a reasonable payoff but they are not interested in discussing this. Every email I send, they only respond with " please give us a call. '' Those phone calls go nowhere. I have asked for written confirmation by responding to, and answering my emails. Monday, XXXX XXXX I called them, per their email response and I asked to speak with someone that could assist me in getting this resolved. The representative gave me their disputes division email address, in which I have emailed three times and I have not received a response from them. I have also requested they remove the charge-off from my credit reports because I have been trying to resolve this and pay it off since before they reported it as a bad debt. I have also pointed out that they have reported to the credit agencies the incorrect original balance. The original balance, and the amount they deposited into my bank account was for {$800.00} on XX/XX/XXXX. They are reporting it as {$1000.00}. I have made a total of {$210.00} payment against the {$800.00}. I can understand interest. However, unless they are willing to justify the {$870.00} payoff, I disputed that. Per the XXXX phone call, the representative suggested I log into my account to review the contract. I told her that my login information is not working, and she did not assist in correcting that so I could log in. My last email dated XX/XX/XXXX, I have requested a copy of the signed contract and correction to my credit reports, along with a reasonable payoff amount and breakdown of how they are coming up with the {$870.00}. Trying to get an accurate payoff and/or explanation of a payoff higher than the loan itself should not be this difficult. I have consistently acknowledged this debt and I have consistently been trying to get it resolved and paid off. I need this information corrected on my credit reports, as it is preventing me from taking out a mortgage. I need the original balance corrected to {$800.00} XXXX that is all I received from them XXXX and the charge-off removed. I do not agree with being reported as a bad debt since I had been in contact with them consistently since before they reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wan na apply for the auto loan, the lender can pull XXXX  and XXXX easily. But Equifax is not allow any lender to pull my credit. I called them every day more than one month to solve this error, but the problem is still exist. All lenders said when they tried to pull my credit, block was there. Equifax agents told me my credits there, no freeze ... no block ... on their end ... and I can request the paper document through mail, but the lender do not accept any documents I offered, they just want pull my credit report online on their system. Also, when I log in to my Equifax online account, it always shows error message, it shows " please call customer service center ... '' I called dozens of times, the agents can't do anything, but I can't do anything on my end. " FROZEN '' status is still there on my end what I can see.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions 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 recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance.

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 2021-04-07
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They are refusing to stop pay on homeowners insurance, the insurance company sent back check weeks ago and they can't seem to locate nor will they stop payment and refund the escrow. They are forcing me to pay 2 insurance for an error they made when I told them not to pay.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-05-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from  refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: WV
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:
it reports My balance at XXXX. it is only XXXX Paid XXXX and XXXX Both Cleared. Caused my Report to Go down by 43 Points. Called they Say they Cant do anything to Fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mandarich law group mailed me a letter to my mothers house stating i was being sued i contacted them that i am XXXX  and currently XXXX. they stated they would be suing me, very unprofessional I told them once i got a job i would contact XXXX XXXX to pay they told me not to contact them and that they would be sueing me. it was a very harassing and intimidated phone call. Beware of MANDARICH LAW GROUP they want to coerce you into paying your debt and that is unlawful for a law group to use there position to threat a citizen and bring fear upon them in order to have them pay a bill. IT is an unlawful way to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: FIRST NATIONAL BANK OF OMAHA
State: ID
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: Problem with personal statement of dispute

Complaint:
Re : First National Bank of Omaha I was walking out of the post office and made the call from my phone in the car after a long trip for my job. I dont know where to turn. 


Im so upset! Can you give me some advice? 
Ive had a card with them for years, no bad reports or lates. I found myself in transition selling my home if 16 years to relocate and start a new job 4 hours north. Im divorced and a very capable single female. I travel for a part-time XXXX job all over XXXX and XXXX, XXXX a rental remotely that houses 4 professionals & I XXXX XXXX XXXX. I work hard very hard and many hours. I called to talk to a phone rep to pay off my credit cards. I paid {$5700.00} and change to ensure it would be paid off because I wanted the cards to go away during this very busy time. My daughter is also coming to visit with her husband from XXXX XXXX. Im also shopping for a house during my transition. Im actually still moving from my prior residence of 16 years. This is why I called to pay this card off. Im overwhelmed. I arrive back to my PO thinking all my bills were paid with the exception of my car and utilities. Come to find out I had a 30 day late that they reported without skipping a XXXX beat! No phone call warning, nothing! Ive talked and disputed this but they are standing by their pat disclaimer. One of their phone reps snickered as I was explaining. Another better one, a guy said that the fee was slapped on right after I made the payment!!! Obviously you dont pay a bill with that amount with any idea this would ever happen. I knew the time was just flying so I did my due diligence to pay it off. I was begging them to reverse the damage. Heartless people!!! NEVER DO BUSINESS WITH THIS BANK!!! 
My credit score WAS very good. Now I cant purchase my next home until this gets fixed. Please help!

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 2019-05-29
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTOR BUSSINESS BUREAU XXXX DOCTOR BUSSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/ CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Tulsa Adjustment Bureau
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was not contacted for 2 years abd this charge which was paid in XXXX of XXXX and is noted by XXXX XXXX XXXX as workers compensation was attached to my credit for lack of payment. I was hit with XXXX points fir a bill I dont owe. I was told last week by TAB services that this was immediately remedied on theyd end as a workers comp and it would be removed from my credit. YET, they did not remove it, they only updated that it was paid in XX/XX/XXXX still effecting my credit reports and credit scores. Im asking to have these erroneous charges removed completely from my score and that my credit score no longer be negatively impacted by this biking which was paid in full by insurance 2 years ago. There should be laws on the books that if a collection agency is going to hit someones credit, they be required to circle back to their clients first to double check these bills are still outstanding. XXXX XXXX XXXX could have also corrected this by updating my file in the two years they gad a XXXX balance. Tab services is negatively impacting my credit and this bill was workers comp. it was avoidable and they still havent removed it knowing its paid and erroneous & hurting my credit. I am XXXX as I find T h a t a bit unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
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: Information belongs to someone else

Complaint:
XXXX  Account number XXXX  amount {$840.00} XXXX XXXX XXXX account number XXXX   amount {$320.00} XXXX XXXX XXXX XXXX Account number XXXX  for {$290.00}

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 2018-06-29
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX ( XX/XX/XXXX to be exact ), my partner and I decided to merge our cell phone plans into a family plan. She was a XXXX customer and I was an XXXX XXXX XXXX customer. We decided to go with XXXX for our new family plan meaning that I would be cancelling my XXXX XXXX XXXX account. I called XXXX XXXX XXXX customer service notifying my intention to do so, and the agent that I spoke with notified me that my account was fully paid up, and since I was only a few days into my billing cycle I would owe a prorated amount ( amounting to $ XXXX- {$15.00} ). My account was cancelled and I was now on a XXXX family cell phone plan. Fast forward to XX/XX/XXXX, when I received a {$100.00} charge on my credit card from XXXX XXXX XXXX. I called them to ask what the charge was for, and because my account was cancelled they were unable to look me up in their " system '', and I was transferred from one to department to another. I spent four hours on the phone ( mostly on hold ) and was transferred to five different departments. Not one of them was able to tell me what the charge was for. So I contacted my credit card company and disputed the charge. XXXX XXXX XXXX 's answer to the dispute that it was for an unpaid part of my cell phone bill without providing details as to when and what. I told them that I had automatic billing set up on my account, so it was always paid in full, and there should not have been any unpaid charges and that this was not what their customer service agent had communicated to me back in XX/XX/XXXX when I cancelled it. They still were unable to tell me what the bill was for beyond " unpaid balance ''. They were unable to provide a complete history of monthly invoices with corresponding payments so that I could see where this mysterious balance had come from ( and since I had cancelled my account I was no longer able to access my online account to do so ). Since they were unable to plausibly show me what I owed them this {$100.00} balance for, I refused to settle with them and my credit card provider ( XXXX ) blocked them from making any future charges. Following this XXXX XXXX XXXX sent this to a debt collector, which is why I am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: IN
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 contacted Experian Credit Bureau and opened an investigation into an inaccurate Bankruptcy filing in XX/XX/XXXX and associated incorrect address. The dispute was submitted on XX/XX/XXXX. I explained that this account has been disputed several times, and I requested a thorough investigation. 

Experian replied 2 days later ( XX/XX/XXXX ) and stated that the information was verified and will remain. 

I contacted Experian immediately on XX/XX/XXXX, and they stated a " third party provider '' provided the information. However, they advised that they could not tell me who that third party provider was. 

This is seriously affecting my ability to buy a home for my family, and I need help getting it resolved. 

I am more than happy to provide any additional information that may be required. 

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 2019-03-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didnt not give permission to view or know my personal information to pursue a debt. 

Both debts opened on XX/XX/XXXX. For XXXX and XXXX for st.joseph hospital. Have not lived in florida since XXXX. Which is where the hospital is located.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient systematically misallocates my funds. I owe {$24000.00} and my balance never changes. I keep making payments of {$500.00} - {$560.00} a month ; but my balance remains the same. 
I asked Navient multiple times to send me detailed repayment history of my loan and the way funds have been applied to my balance each month. Navient systematically refuses to provide such information as the people answering calls always say something different. 
I believe that if I do not find a way to get Navient to send me the formal loan repayment history I will be in repayment all my life. 
How can I get help and some sort of relief from Navient?

Company response to consumer: Closed with explanation