BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Multiple accounts that are incorrect are reporting on my credit reports 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 2019-02-21
Company: F.H. Cann & Associates, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I object to the amount owed to the Department of Education. My original loan amount was {$53000.00}. {$17000.00} of that amount was forgiven through the XXXX XXXX XXXX Loan Forgiveness Program. I  should owe around {$36000.00}, yet the DoE wants to garnish {$110000.00} from my paychecks? Why is that amount triple the loan principal? That is an absurd amount of money. I am a XXXX not a brain surgeon, so why charge me medical school loan amounts? 

I appealed the wage garnishment decision and was rejected even though the Department of Education neglected to consider the $ XXXX in medical fees I owe due to XXXX XXXX. 

If the loan principal amount was accurate then I could make those payments, but Im not sure any  XXXX XXXX XXXX  in America can pay back {$110000.00}. I want to pay back my loan. That amount should be around {$36000.00}. Please fix this instead of trying to gouge me like a Payday Loan shark. Every day I go to work XXXX  and trying to make America better. Please dont garnish my wages for a fictitious amount of money that was boosted due to insane collection fees. I can barely pay my rent and other bills, including medical bills that resulted from XXXX. I was diagnosed with XXXX in XX/XX/2017 and have been recovering since then. Why wasnt I given the option to defer my student loan payments? I would like that courtesy now, and for the loan amount to accurately reflect what I initially borrowed to become a XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Creditor Advocates Inc
State: IA
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:
XX/XX/XXXX a letter was received by me from a collection agency claiming I owe an alleged debt of {$1700.00}. The name of this collection agency is " Creditor Advocates Inc '' and is licensed in Minnesota, and Wisconsin, while I have never lived in either state and have resided in Iowa for the past 5 years. I responded to the letter in about a week in compliance with the FDCPA. In response to this letter I request for verification and validation of the alleged debt per the FDCPA. Creditor advocates Inc failed to respond within 30 days to my request for validation of debt. Creditor Advocates Inc failure to respond to request is taken as this debt is false. 
On XX/XX/XXXX, I received a letter from attorney XXXX XXXX XXXX. This attorney is located in Iowa and licensed in Minnesota, Illinois, and Colorado. This letter was sent on behalf of Creditor Advocates Inc. This letter, sent seeks to intimidate, by being sent from an attorney, and requested the same alleged debt of {$1700.00} from XXXX, that Creditor Advocate Inc failed to respond to when I requested validation of this debt. 
Over two years has elapsed and Creditor Advocate Inc has failed to validate the alleged debt and respond within the requested time. Creditor Advocates Inc continues to contact me with the demand of payment. This companys continued contact is harassment, and has cost me time with my family for response, money, and stress. This continued contact is harassment, is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was able too check my cr on a daily basis I signed up for cr monitoring then my cc got declined then Experian flagged my SSN too all credit bureaus all because I stop using there monitoring service now they want me too verify my identity again.

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 2021-08-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Midland in an attempt to resolve the debt. They agreed to settle the inflated balance from roughly {$490.00} to {$300.00}. I started the arrangement with an initial payment of {$100.00}. Later when I went to make the next payment, they had no information on the arrangement we agreed on, and additionally the owned balance hadnt changed and 3 months later, the balance still hasnt changed. It should reflect a balance of {$200.00} or even at the least {$390.00} after my {$100.00} payment. After speaking with them they acknowledge the payment I made, but nothing about the settled amount agreed on. This is unethical collection practices which has hurt my credit substantially because I refuse to be taken advantage of by shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, 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:
On XX/XX/2019 I mailed Equifax certified mail an idenity theft dispute listing fraudulent accounts, a copy of my social security number a police report and a FTC idenity theft report. I recieved a signature receipt as proof Equifax recieved my request dated XX/XX/2019. I spoke with supervisor XXXX employee number XXXX, today XX/XX/2019. XXXX informed me that Equifax had no records of my dispute or police and idenity theft report. He went on to explain that my dispute may have even been discarded without consideration. The inaccurate information Equifax continues to list on my credit profile is severely damaging my personal life. Equifax is in clear violation of the Fair Credit Reporting Act as it relates to this manner and I demand this company abide within the guidelines of the law and block these inaccurate and fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX   Automobile Dealers, New Inquiry date : XX/XX/2020 XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX/XXXX/XXXX XXXX/XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, 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 2018-07-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This bank has continued to have horrible customer service through the phone as well as in the branch. Going into the location in XXXX  on XXXX XXXX XXXX was horrific. I came into the bank after speaking to c.s. about applying for a credit loan and opening a savings account when i got to the bank the banker was very nasty and yelled at me for listening to the lady on the phone because she didn't know what she was talking about. Furthermore going into the bank the teller told me the cash advance machine was down and the banker and teller both bombarded me saying i should have called the bank before i showed up and thats the problem with people who jist come to the bank and dont call first and call the XXXX  number. Further Customer service issues have occurred due to poor communication skills and bad information given. Lately its juat got to the point its a yelling match and often im just cursing and ready to close my account. I am so tired of being told one thing on the phone then something else in branch.

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 2019-11-10
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was in forbearance and recently it has been changed by Great Lakes with out notifications. The name on the loan does not belong to me and I asked several times to verify and validate the loan that it belongs to me. Great Lakes has false information and continue to change things including the name of the school and location. I am confused and do not understand why they are doing this to people and they are very rude when trying to handle this issue. Can you please assist? 
Great Lakes XXXX XXXX XXXX XXXX, WI XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Ace cash express has called my wife on XX/XX/XXXX and XXXX and my grandmother on the XXXX saying there is a legal complaint against me for charges to defraud a lending institution. Then on XX/XX/XXXX I called them and they told me to pay XXXX dollars on XXXX dollar loan for they will proceed with charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: FL
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:
My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a XXXX XXXX exists in XXXX Georgia under my name and it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Southwest Credit Systems, L.P.
State: FL
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 XX/XX/2020, SOUTHWEST CREDIT XXXX add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Self Financial Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Due to the covid pandemic, there was a loss of income in my household that directly impacted my auto-pay from access to funds. I managed to make the payment late and when I tried to inform the company of the circumstances that led to the failed payment they would not listen. They marked it as a late payment and as a result my credit score went down almost 41 points. Its a really bad time but I am still able to make all my payments, even with the loss of income. They dont not treat people like human being, especially in the worst time of lives! They gave me an auto generated response, its like no human being works there and is aware of the unusual circumstances currently taking place in our society.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Westlake Services, LLC
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:
I had a credit card with a company called XXXX. Payments were scheduled on autopay and no payments were ever late. Around XX/XX/XXXX, a company called Westlake Portfolio Management acquired XXXX and took over all accounts including mine. Neither XXXX or Westlake notified me that this was happening, and Westlake additionally stopped my autopay without notice. I was completely unaware any of this had happened, and because the autopay was only a small amount per month I didn't notice that it had stopped drawing from my bank account. It wasn't until I reviewed my credit report that I discovered late payments to an unrecognized company ( Westlake ). I looked them up and they seemed like scammy company with a lot of complaints against them. I called them to understand the issue they explained the acquisition. The remaining balance they claimed I owed was significantly higher than it should have been. I asked them for proof of the original contract I had signed with XXXX  stating the terms and APR of the account, and they said they did not have this information and could not provide it. I also did not have access to the contract because the XXXX website was shut down so I could not log into my account. The initial person I talked to at Westlake ( I have his name ) also admitted that many customers were caught off guard just like me, many of the reported balances were inaccurate, and that some customers were even told they owed money even though they had already paid off their XXXX balances in full before the acquisition. I called multiple times asking to speak to a manager, and was given an excuse every time ( manager is at lunch, not in today, call back in an hour, etc. ). After weeks of severe stress, I couldn't take it any more and decided to just pay off the full balance to make the problem go away ( XX/XX/XXXX ). I asked Westlake, in exchange for me paying the balance in full ( including interest and late fees ) as my very first payment to them as the new owner of my account, to please remove the late payments reported on my credit report. They refused, and said I would first have to make the payment, and then file a dispute with the credit reporting agencies. I asked for a manager to call me back after making the payment so that I could talk to them further about the credit report and I was told they would. They never called. In XX/XX/XXXX, I filed disputes with XXXX and XXXX. The XXXX dispute completed today and the late payments were NOT removed from my credit history. The XXXX dispute is still in progress.

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 2021-05-23
Company: CASHCALL, 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: Information belongs to someone else

Complaint:
I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  Cashcall Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity.

2. XXXX  Cashcall - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX XXXX XXXX XXXX XXXX Dates do not match XXXX, balance incorrect 4. XXXX  XXXX XXXX XXXX  - Dates Do not match XXXX, balance incorrect 5. XXXX  XXXX  XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX CCXXXX XXXX XXXX  - does match XXXX  CCXXXX, unauthorized, unknown. 
7. XXXX CCXXXX - Insufficient information, does match experians CCXXXX Cash Central, unauthorized, unknown 8.XXXX XXXX  XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX XXXX  XXXX XX/XX/21 XXXX Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX : XXXX XX/XX/21 XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XX/XX/21 XXXX  XX/XX/21 XXXX XXXX  XX/XX/21

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 previously explained that my car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine. You removed everything except the inquiry for XXXX XXXX XX/XX/21.

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