BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Good day madam/sir, XXXX XXXX the lender of my vehicle : - original balance of the loan keeps changing - different " original balance '' {$5000.00} lower was reported to the credit bureaus - interest keeps increasing with years with extra payments being made - requested the complete balance sheet, received only list of the payments i made with NO original balance or ending balance and no interest balance - during the first 3 months of Covid-19, since it was allowed by state, I called the company and due to hardship i asked for 3 months delay of payments, they approved it, but still reported 30/60/90 days of non-payment to all credit bureaus ( that's the only months I didn't pay as agreed with the lender ) - XXXX  application provides completely wrong data. It shows I paid $ XXXX, when I paid exactly {$14000.00}. 
- Original balance of the loan was $ XXXX, now they told me it's $ XXXX, How is all of that possible? 
- XXXX  claim I owe them $ XXXX more, since I paid $ XXXX out of {$21.00}, but I paid $ 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 2021-02-20
Company: LendingUSA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I purchased a puppy at XXXX in XXXX, FL. In order to complete the purchase, I required a loan which I obtained via LendingUSA. The loan was made online in XXXX using their computer. I opted for the interest free loan if paid off in 6 months. I paid my 1st payment on XX/XX/2021. I owed {$170.00}, but paid a little less than 1/5 of my loan. My first payment was {$1000.00}. To my shock, only {$950.00} of the {$1000.00} payment was applied to my principal balance. According to the terms of my loan, I should not be paying any interest. I called the company on XX/XX/XXXX, and was told they are charging me interest and will return it IF and when I paid off the loan in 6 months. This is NOT the terms of our agreement. I called again on XX/XX/XXXX, and was told after supplying both my social security number and loan number that they could not find my account. As a result, I mailed a letter to their billing department in XXXX, TX on XX/XX/XXXX, using priority mail. In addition, I called XXXX XXXX ( the division of XXXX that services FL ) and started a claim with them. I also emailed them a copy of the letter I sent LendingUSA. I want LendingUSA to honor the terms of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/XXXX XXXX XXXX- I have never had an account with XXXX XXXX . This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX-This is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, I received a letter from XXXX XXXX, XXXX, Fl XXXX saying that they sold an XXXX XXXX XXXX XXXX account to Portfolio Recovery Associates, LLC. This is the first time I learned to have an account with them. I live in XXXX  XXXX, XXXX and I never heard of a XXXX XXXX  before. 

On XX/XX/2017, I received a letter from Portfolio Recovery Associates, LLC. They want to help me resolve the issue. 

On XX/XX/2017, I wrote a letter to Portfolio Recovery Associates, LLC, explaining my concerns about the credit card issuer. 

On XX/XX/2017, the PRA Disputes Dept. said a review of documents related to the account in question was made. It said the documents were enclosed but I did not receive such documentation. 

Then, threatening phone calls followed. The collector 's agents used foul language to persuade me to pay. I was even told that they could damage my credit record if not pay as soon as possible. 

Because of my previous encounters with the collection agency, I ignored the issue and avoided their calls. 

On XX/XX/2017, I finally decided to submit a complaint to Federal Trade Commission, consumersentinel.gov with reference no. XXXX. 

To this date, that complaint remains unresolved. I am submitting this second complaint because Portfolio Recovery Associates, LLC has submitted another adverse issue to my credit report and has doubled the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : MIDWEST RECOVERY SYSTEMS LLC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolid
ate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College vXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ),  you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX University that gave you the right to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of trans union inquiry issue These hard inquiries should be deleted from my trans union profile credit 1. XXXX XXXX XXXX. 

2. XXXX XXXX 3.XXXX/XXXX XXXX 4.XXXX/XXXX  -XXXX 5.XXXX  XXXX 6. XXXX of XXXX XXXX 7.XXXX  8. XXXX XXXX 9.XXXX  XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX  XXXX 13. XXXX XXXX 14.XXXX All  of these were taken off and then put back on with out me knowing. This violates section 611 of the Fair credit Act. 
There should have been a 5 day letter sent to me clearifing these inquiries

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 2017-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery A is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX. 
I never had an account or even know what services this bank gives. 
I tried to call the bank and they had no information of this account. I called Portfolio recovery and they refused to deal with the case and claimed it 's mine, even though they could n't even verify mi information. 
I 'm trying to take a student loan to go back to school and my whole future is held back because of false information Portfolio recovery are throwing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an unverified account from originally XXXX XXXX XXXX # XXXX. I had previously disputed this account with XXXX XXXX XXXX they NEVER provided ANY form of Verification or Documentation and this account was deleted from my Credit report as a result.Somehow it was sold to AFNI # XXXX, ALTHOUGH IT WAS NEVER VERIFIED!!! I have never done business with AFNI Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that AFNI # XXXX. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt. This debt has been bought and sold at lease 3 to 4 times already and I plan on suing AFNI if they sell this unverified debt to another collections agency!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/2020, I returned my leased XXXX XXXX early under a promotional program advertised by the company. 

I was told I could turn my vehicle in 3 months early with no fees and I would not have to pay the remaining three months of the lease if I purchased a new vehicle with the company. 

I turned over the car, the keys, and signed the paperwork at the official Hyundai dealership  on XX/XX/XXXX. I purchased a new XXXX XXXX that same day. ( I made a final payment for the month of XXXX before turning the lease in, since the term ended in XXXX. ) Even though the vehicle was no longer in my possession, on XX/XX/XXXX, {$290.00} was taken out of my bank account for the XXXX. When I contacted the Hyundai finance department, they told me I needed to call the dealership because the dealership never paid them for the XXXX. 

I called the dealership. They emailed me a receipt indicating the vehicle had been turned in on XX/XX/XXXX and told me to call the finance department back. 

I called the finance department back. They had no knowledge of the early turn in program and told me I was still liable for over {$1000.00} in fees since I turned my car in early. 

I called the dealership back. They told me they left a message for the finance department and it would be fixed " eventually. '' They did not specify when, they did not indicate any sort of action being taken, nor did they let me know what to do next.

I am now liable for two Hyundai vehicles and two payments ( the leased XXXX and the purchased XXXX XXXX ). I don't know how to resolve this and I'm worried about the financial and credit impact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: AES/PHEAA
State: TX
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:
Hi. I had to resign from my job in XXXX XXXX to move back home to care for my sick father in XXXX, Texas. His health went into decline after my older brother passed away. After moving back to XXXX, Texas, I have struggled to find permanent employment. I have been working temporary jobs through staffing agencies, however at times I've gone from one to four months without any work assignments or income. In XXXX I ended an assignment and contacted AES/XXXX XXXX  about my financial situation. I request an Income Based Repayment Plan with them around XX/XX/2018. They verbally approved it on the phone and said they would send me additional details. I did not receive additional information requests or forms to fill out. By XXXX, I called them again to find out what the status was, however they have been charging me for late payments the whole time. In XXXX they said that they received an approval from the Department of Education 's Student Loans agency indicating that I was approved for Income Based Repayment. I uploaded copies of my paycheck stubs and Tax forms. However, AES/XXXX said they rejected me because they did not receive those documents. I asked them why they did not take that up with the StudentLoans.Gov representatives and they said they did not know. I'm now over 6 months late on payments with them and they have not gone down or been adjusted based on my income, however late fees have accumulated. I feel like they have behaved in predatory ways and steered my loans into default by creating stonewalls in every way that I tried to adjust payments based on a change in my finances. When working with federal loans, I was able to upload all requested documents online, easily. This was not the case with XXXX/AES. When working with AES/XXXX, they did not allow me to upload documents online and said they sent things in the mail and they operate by old fashioned mail only. Before moving to XXXX, I paid all of my loans responsibly and I was gainfully employed. My credit score was above 650. Today, AES/XXXX has ruined my credit score and this will make it difficult to find permanent employment since most employers in my field conduct comprehensive background screenings that include credit checks. I would like my credit to be fixed and negative marks removed by AES/XXXX, and I would like to my account to be adjusted so payments are based on income and the fact that I have other loans as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Stephen Einstein & Associates, P.C.
State: NY
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 received a letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The letter stated I owe {XXXX}. I sent a letter certified mail asking for validation of the debt and never received a response. I have proof of the letter I sent by me. I see an index number was purchased in XXXX XXXX of XXXX County by the firm on XX/XX/19. I have not been served with the suit yet but, I believe I should have received validation of this debt before any further collection efforts were initiated. I can further details upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attempted several times, today XX/XX/XXXX was the latest in my attempts to have XXXX credit card update status on all 3 credit bureaus with correct account information. My account is reporting as closed with a balance owed of {$180.00} as of last date reported XX/XX/XXXX, and current since XX/XX/XXXX. This information is false my account is open and current balance of {$160.00}, upon reporting this to XXXX XXXX they charged me with writing them a later stating that my account is showing as closed on the 3 credit reports, but they are the ones reporting this incorrect 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 explanation
Consumer complaint received 2019-06-19
Company: UHG, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was forwarded voicemails from my family that stated that they were looking for me for a personal matter from a company called XXXX. I tried to call the number and after several attempts was able to get a human on the phone to find out what the personal matter was about. They informed me that this was in regards to a loan account that I had opened. I informed them that I had placed them on my debt consolidation program and that they needed to contact them as I believed there was already a settlement in place from a previous collection agency. At this point I was informed that I had been " scored '' for if I qualified for sending to court. If I do not pay by XX/XX/30 then it would be out of their office and they would take legal steps. They also informed that they typically do not setup payment arrangements that span more than a few months. They also said that they didn't want me to have them contacting my employer and other places to find out things like wage garnishment options. I stated that I am more than willing to work with them but they kept emphasizing that they only had until the end of the month. I to this point have not received any paper documents other notifications of the debt and who they " represent '' XXXX XXXX XXXX. I have let them know that I can't pay in a lump sum that amount and from my reading on the internet the company " they represent '' practices unfairly. https : XXXX They call from XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Bridgecrest Acceptance Corporation
State: MS
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:
Late payment not removed

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 2019-05-18
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Duplicate ) 5.EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX  XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or 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.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: New Era Asset Management, LLC
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: Account status incorrect

Complaint:
I settled the account with new era assets for the amount of XXXX and it is still showing up on my credit my report and negatively affecting my score. On my credit report its showing as a collection from XXXX XXXX. But was then taken over by new era assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX  are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account closed. This tradeline keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.

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