BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Back in 2013 I was out of work because of a XXXX and I fell victim to XXXX for {$640.00} and now I 'm being sued from the real company do n't know what to do

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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:
CRA taking longer than 30-45 days to complete dispute. They are not in compliance with the FCRA & FCBA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
US Department of Education and Mohela both have the same student loans listed on my account # XXXX over 10 times. All for various amounts! I find this to be very deceptive and a violation of the FDCPA as reporting the same loan multiple times going back as over 16 years to keep this on my credit reports is not fair or ethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
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 a few accounts on XXXX, XXXX, and Experian. All have different Amounts, a past due amount on collection items and I have a payday loan that was deleted and now is back on my credit report. I filled a dispute on XX/XX/XXXX for. XXXX which is {$1100.00} XXXX for {$3300.00}. The XXXX account doesnt have the right address. XXXXXXXX XXXX has different amounts on all 3 credit bureaus. Its a closed account with a past due balance of {$1600.00}.

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 2017-03-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Rewards

Complaint:
When I applied for the Amex blue cash everyday credit card in the second week of XXXX, there was an incentive attached to applying for this card ( online ). The incentive states that if you apply for this card by clicking the link provided that you will recieve 10 % back at U.S resteraunts on the card within the first 6 months of card membership, up to {$200.00} back in statement credits PLUS earn {$150.00} back after you spend {$500.00} in purchases on the card within the first 3 months of card membership. I called AMEX in the beginning of XXXX inquiring about the {$150.00} statement credit in which I have spent well over {$1000.00} within the first month or so of membership with this card and payments in good standing, for a rep to tell me that it usually takes 6-8 weeks. I recently called again last week because that time frame is approaching only to be told that there are no offers attached to my card? This promotion is currently still running and appears frequently while I am online surfing the internet. It appears even if you navigate to the American Express Website as well. This offer was one of the main reasons that I applied for membership with Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016 I submitted a letter to Midland Credit Management Inc, requesting a copy of contract that I have made with the company regarding a debt the company claims I owe them. In response I received a copy of a XXXX statement that states the account was charged off. Midland refuses to XXXX out my amount due owed, stating the debt is valid. I spoke with a representative from Midland, XXXX, who states that her company will not dismiss the fraudulent debt and that I still have a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 National Credit system - XXXX popped up on my stellar credit report with no warning. The credit bureaus have police reports and affidavit which indicates I have been a victim of ID theft. This above mentioned company was allowed to place this FRAUDULENT account on my credit report. This is not a company that i have ever given permission to access my information in any capacity. 

When I contacted said companies they were trying to collect information to alter said current records. I would not provide them with my current mailing address nor verify certain information. as any information obtained will be used for collections. They can not collect on something that is not mine. 

I have contacted the credit agencies however this company needs to remove said information expeditiously as possible from ALL CREDIT REPORTING PLATFORMS THAT THIS IS BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am writing in concerns about a student loan that was taken out in 2009. I attended XXXX. Before the sign up I was promised that my credits were transferable and they would assist me with job placement. Neither of the promises were honored. I was told they were an accredited college they were not that either. The loan taken out was supposed to pay for me to get my certification. It cost a {$100.00} out of my pocket to become certified. I feel as if I was told all this information just to sign up for the program. I have gone to the location several times, nothing was accomplished. XXXX XXXX were supposed to contact the graduates to verify if they had job placement. No one never called. Until this day I do not have a job within the field of my XXXX XXXX. I had to work odds and ends job just make ends meet. I thought me attending school again with guaranteed job placement would help. Instead, I am stuck with debt and empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Other

Complaint:
i am writing to you about a dispute i filed with my capital one card.i paid a company XXXX on XXXX XXXX the company name is XXXX.i was issued a credit on XXXX XXXX iwas told there would be no refund.the company sent in the contract i signed as i knew they would.capitol one sent me a form letter about a billing dispute which is not how i wanted to dispute the charge.the charge was disputed as services not rendered or provided to me.they took way more money from me than just this on several of my credit cards.capital one never even gave me the opportunity to answer what XXXX sent in.i tried on several occasions to talk to capital one but it seems nobody would listen.this company also promised me a grant which i also found out was fraud.i am the victim and the customer but capital still lets them operate with a merchant account to commit fraud.why do they not have to prove what they did for such a ridiculous amount.i do not feel capital one even did an ounce of investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
Would like to file complaint in regards to XXXX. They have reported things without my knowledge., or considered a dark pattern which has impacted my credit tremendously. As well as they do not update information accurately or in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2017-02-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a Public Record reporting on my credit reports that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For two weeks now, I have struggled with Equifax so that my credit union, XXXX XXXX XXXX XXXX, can pull my credit report for a mortgage. Because of the unfriendly and inefficient services of Equifax, it has caused me great hardship, including losing a home I wanted to purchase. 

To date, I continue to try to get Equifax to correct my date of birth. I have sent a copy of my birth certificate, my driver 's license, my XXXX passport and my social security card to Equifax in XXXX, Ga. These documents were sent express mail and the tracking number shows that they were delivered. When XXXX tried to pull my credit report today, it was still unsuccessful because of " a flag on my date of birth ''. 

After an extremely long wait on hold, I finally spoke to an Equifax agent, clearly a young XXXX XXXXXXXX man with limited English skills. According to this agent, my incorrect birth date was provided by XXXX. He also told me that XXXX could change this birth date. 

I believe that both of his statements are incorrect. 

Consumers call Equifax seeking for accurate information and assistance. Being told incorrect information does not help the situation. The fact that there are long wait times to speak to Equifax agents and that Equifax agents are providing incorrect information demonstrated the poor service that Equifax is providing. 

Equifax security was breached between XXXX and XX/XX/2017 when XXXX XXXX XXXX records, XXXX XXXXXXXX XXXX  records and XXXX XXXX XXXX records were compromised. I suspect that my incorrect date of birth is related to the security breach and that it is hereby demonstrated that Equifax did not completely correct the impact of this event. 

Instead, consumers are inconvenienced and face hardship due to the unprofessional conduct of Equifax. I already correct my birth date in the past and am now forced to correct the same mistake again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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, XXXX XXXX XXXX Account Number XXXX has 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an email that a collection had showed up on my credit report. I was not contacted by nor did I receive any notification prior to the collection appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX stated that they represented Nidland Funding claiming I owed money on payday loans. The representative researched the information asked me if I had any outstanding loans, to which I denied. They gave me an invalid email address that was stated as to belonging to me. The representative stated that she was going to contact my job and human resource department in order to serve me papers and to collect the debt. I asked her why not use my address. She stated that my home us private, my job is public and they can go on the premises and basically hung up in my face. First of all, I have not been contacted by this entity before as they stated on my voicemail ( which us saved ), claiming to have made several attempts. Once the representative research the information, I realized that most of the information was outdated, or no longer exist, and she was attelting to retrieve information from me that they did, not have. This company is trying to scam people out of money and it seem to me like they want to use my job as an embarrassment tactic to try and get money for a debt that I do n't owe. I have researched this company and have read numerous complaints and reviews and I did see where the company served papers to client 's residence. Midland Funding is very dishonest and fails to adhere to the laws concerning debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I am in debt. Big debt. I contacted XXXX in XXXX to help me, especially with my credit cards. They were able to negotiate a lower rate for my XXXX credit card, and they are taking care of that now. 
My American Express card, however, was on a promotion, so the application for a debt management program was rejected. The promotion ended in XXXX. The DMP was accepted, then the payment was increased, then the whole thing was rejected. 
I received a letter from AmEx telling me to contact them about their internal DMPs. So I did. 
Once again, I was rejected. The customer service rep, however, could n't tell me why. No one can tell me why. Apparently, no one knows why. I kept asking how I was supposed to correct the problem if I did n't know what it was, but I got the same answer. 
One representative told me she thought it was because my account was current. ( I have been making regular payments of a little more than the minimum. ) I should skip my XXXX payment and call back, she said. Or, I could call back closer to my due date so it looked like nonpayment was more imminent. She would not close my account, even though I asked her to do so at least twice. 
Another rep told me to reapply in 60 days. 
XXXX was told to reapply in 60 days, but another rep told them that a rejection was final. 

What the heck?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NJ
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/XXXX, I discovered multiple accounts on my credit report that did not belong to me. One of the account name is XXXX, this account was never mine, I do not know how, but the account were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, the results came that they removed all the accounts except XXXX since then I have been disputing the account, so on XX/XX/XXXX, I checked my updated credit report and I discovered that this account ( XXXX XXXX was removed, but a month later, the was re-inserted, so, when I pulled my updated credit report I found out that the account came back, on XX/XX/XXXX, I did a complaint on FTC Website about this account, but the account since then has not been remove, I recently update my credit report, and saw that the account still there, and I am now reaching out the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I obtained an auto loan back in 2015. I set payments up to be made every two weeks. My payment is {$370.00}, I set payments of {$200.00} every two weeks to make " extra '' towards my account. I have been reported twice for late pays and have incurred a few late charges. I called to try to correct this and they said that they NEVER apply over payments to principle and they just roll it over to the next month. They have been really rude and unwilling to remove the " late pays '' from my credit. Was told that even if I am one day late they charge the late fees. I think this is completely unprofessional and this, to me, is extremely shady business. I thought I was doing the right thing and getting ahead, but their banking practice is unprofessional. Why would you not apply ANY extra money to principle? They are making it to where I can never get ahead on this loan and they are continuing to make money off of people who are trying to do the right thing. Any " extra '' money should have been applied to principle. Is n't there a " grace '' period? I am completely disgusted with this bank and their banking process. They are out for their profits only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 ( received XXXX ) Capital One sent me a letter stating that they were closing my credit card accounts because of " activity on this or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement ''. This was the only explanation given and i currently do not have access to either account. I have drafted a letter to send correspondence along with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
They reported my citi card past due 30days I have spoken with Citi they said I have an agreement to pay them and wont reported on the credit reported due to my loss of income from covid 19, citi has it already in there notes that they were aware that I had loss my income from covid and they were going to help me out, I was never ever late on any of my accounts, I called everybody on my credit cards accounts that i loss my income everyone was on the same page, and citi bank was also aware, I need it removed please, I never was late on any of my accounts I make sure my creditors knew whats going on before hand. 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 2022-07-22
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2022 - {$620.00} was directly deposited from my account without my authorization and against Federal COVID relief regulations -called Feloan, explained the situation, and was told they will refund the moment it post XX/XX/2022 -Money was returned by my bank XXXX XX/XX/2022 -Fedloan made a second attempt to take out money and unfortunately, it went through because my paycheck was directly deposited -immediately, called fedloan, explained the situation again, the immediately stated the will provide a refund but never stated how long it will take XXXX XXXXXXXX XXXX -called to check on status of refund status, its pending, talked to customer service rep and was told 2-3 months before money is refunded XX/XX/2022 -spoke to manager and supervisor and was told there was nothing they can do on their end, the request has been sent to the treasury department, they are backed up with other refunds , and it may take a while. 
-was told any overdraft fees I receive, send a letter to fedloan requesting they refund, and to file a complaint on this website. 

I need help with expediating my refund. I have other bills to pay and I cant pay them when my checking account is in a negative

Company response to consumer: Closed with explanation