BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: Mobiloans, LLC
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a text message today XX/XX/XXXX. I called the number back and they told me that they took me to court and that they're going to arrest me if I can not pay half of the Debt but I never received anything in the mail about a court date or anything and this happened back in XXXX. They have all my current information but the debt was done in california. I tried to contact mobile loans themselves. They said it was sold to a 3rd party deck collector XXXX XXXX XXXX  I call That number and they told me that it was sold to another company in XXXX XXXXXXXX XXXX XXXX. I tried to call that company and their number does not go through. The lady told me on the phone that I have 2 hours To come up with XXXXXXXX XXXX or they are sending someone out to arrest me. But like I said I never received anything about me being sued or I would have responded. I am very scared I can not be arrested I have children.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-13
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit collection notice stating I owe {$530.00} to XXXX XXXX insurance. They were the carrier for my homeowners insurance up until XX/XX/2022. My insurance was paid through my mortgage servicer ( XXXX ) for the year. I would like for them to fix this problem on their end. I switched my carrier to another insurance organization in XX/XX/2022. My insurance was current with XXXX XXXX and it is current with the carrier I am with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions 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:
On XX/XX/XXXX i check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2016-03-02
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have XXXX acess to my online account since XX/XX/2016. When you call their toll free number XXXX and XXXX it says that they are temporarily closed and they hang up on you. I do n't receive anything in the mail so I have no idea what I owe. I do n't want to send a paper check because at this point I do n't trust this company and they probably wo n't able the payment how I want it and plus how would I even know if I do n't have access to anything. I do n't understand how this is legal. For a credit card or mortgage they have to send you statements and give you access online but it seems like student loans are allowed to do whatever they want without any consequences. If this is not solved I am going to go to the media so they can see how great it is to get a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I sent money through money gram XXXX to XXXX XXXXon XX/XX/2015. I already attempted to reach out to the credit card company XXXX to get a refund and I have n't had any luck. The XXXX was intended for another company and now my this is affecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my county tax dept. that my taxes were pass due. My mortgage isnt paid off so my taxes should be paid by the mortgage company. I called the mortgage company and it can take them XXXX weeks to research. I have incurred a late fee on top of my county taxes not being paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Porania, LLC
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Acceptance Rentals, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased furniture from XXXX using Acceptance Rentals as the leasing company. The furniture totaled approximately {$2400.00}, but without my knowledge or consent, a new lease account was added to my Equifax credit report by Acceptance Rentals showing a balance of {$5700.00} -- more than double the amount of the purchase price. I have paid approximately {$2000.00}, maybe more, for the furniture and realizing that I will pay more than double what the furniture is worth does n't seem fair, right, or legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

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 2022-11-13
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: Investigation took more than 30 days

Complaint:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I first called Sallie Mae at the end of XXXX this year and I would say Ive called them XXXX or XXXX times since then to try and get my monthly loan cost lowered. I am XXXX and I dont have steady employment, but still Im expected to pay $ XXXX? I have no freedom anymore. I would love to get some support because this really has been the worst year of my life paying these loans. Sallie Mae has not even picked up a call from me. There is no service on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MD
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 have recently filed an FTC Report for the following : I am writing to request the removal of unauthorized, unapproved, fraudulent credit inquiries from my Equifax credit report. My latest credit report shows the following five ( 5 ) credit inquiries that I did not authorize ; when I requested proof from the creditors, they were unable to provide me any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: IL
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 noticed unauthorized inquiries 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 2015-10-08
Company: Collection Services, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Requested the following information from collection agency three times : Name of doctor this debt is owed to. 
Dates of services provided. 
Procedures that were performed. 
How you determined that is my debt. 
Collection agency deleted the tradeline from my equifax credit report. Has not provided the requested information, and continues to report on my experian credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I made a transfer to my XXXX account through Money Gram online through the website moneygram.com on XXXX of XXXX. But the money was never received. When I called the moneygram customer care, they said that the account number was incorrect ( Although I do n't believe that ), and the transaction will be cancelled and the full amount will get credited to my account. But I never got the refund. 

When I tried calling them again, they said the receiving bank did n't return the amount and I was asked to contact the Recipient XXXX bank myself, to speed up the process. I contacted the Recipient XXXX bank ( XXXX Bank ), they said that if the account number is incorrect, the money will be returned to the sender immediately. But I was not sure why moneygram is playing with my money. 

Also the moneygram customer care is worst, the customer care officer will transfer the call to second level support which takes at least 20 mins to connect to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have recently filed an FTC Report for the following : I am writing to request the removal of unauthorized, unapproved, fraudulent credit inquiries from my TransUnion credit report. My latest credit report shows the following XXXX ( XXXX ) credit inquiries that I did not authorize ; when I requested proof from the creditors, they were unable to provide me any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The company is reporting a 30 day late payment for XX/XX/2023. The reporting of this late payment violates the Fair Credit Reporting Act because experiences and transactions between the consumer and the person making the report are excluded. 

Also, a creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose unless the creditor has adopted reasonable procedures under " Consumer Credit Cost Disclosure '' and those procedures are mailed.

I also never provided any expressed written consent for a late payment to be added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Berman & Rabin, P.A.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Creditor is calling my place of employment several times a week sometimes several times in one day and I have asked them to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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 status incorrect

Complaint:
Dept ED XXXX reflects 4 times on my credit report because they are 4 different loans but it was transferred and consolidated to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went for an emergency visit to XXXX XXXX XXXXXXXX XXXX on date XX/XX/2022 when I was positive with XXXX  and was feeling unwell due to some XXXX in the XXXX, XXXX and XXXX. I was in the XXXX  for a total of XXXX minutes for which the doctors directly told me they did not know what I had. This resulted in the XXXX charging me an amount that did not match the solution or treatment provided. I was seen by 3 staff members and they all performed the same procedure as they do not trust what the others already did. At the end, their solution was for me to go home, very professional? I was sent a bill home for {$910.00} which surprisingly had a discount of {$510.00} to make the amount I had to pay {$400.00} for the little service provided, I find this as authorized stealing. This amount was fully paid on XX/XX/2022 for which I have the proof of my bank activity due to them not providing any receipts of payment apart from an email which I also have as proof. Recently, I am receiving calls from you, the debt collectors, saying that I have to pay an amount of {$280.00} this is the final amount requested and I will not go into detail of the ridiculous real amount and supposed discount because it was you who sent the information. I want you and the XXXX  to get on the same page and stop trying to charge something I do not owe. I want this resolved immediately and I want confirmation of you receiving this email and your response so I can seek the necessary legal help in case you not resolving this. Furthermore, I want an explanation of why this happened and why it is allowed for a XXXX XXXX to steal money openly and it being supported by debt collectors. Also, understand that the delay in this response is that you had my address wrong to start with and all your calls are during my work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX : XX/XX/XXXX : {$320.00} - XXXX : XX/XX/XXXX : {$320.00} - XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$440.00} - XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Avant Holding Company, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened an Avant mastercard by Invitation from Avant in XX/XX/2022, I was approved for a {$1500.00} credit limit with no fees. After receiving the card, I used it for {$320.00} then paid it in full before the payment was due. The next month Avant lowered the card limit to {$300.00} with no explanation, Avant hurt my credit for no reason. I am in a credit rebuilding situation already and their action put me further away from my goal of good credit. When they decreased my limit I had a XXXX score with ten old negatives and 13 positive current open accounts with like {$14000.00} available credit and {$150.00} balance cross all cards and 15 old closed accounts in good standings with XXXX bal. I had decent enough credit to get approved for almost any credit I applied for.. Ok here is the scam. If a customer pays the card in full every month and doesn't accrue any 29.99 % interest, they lower your limit by 80 %. I just read customer reviews from the Avant web site and most are almost exactly like what I'm writing here today. Paying their balance in full and having their limit decreased by XXXX % which lowers their credit score even more they're trying to improve! They are preying on citizens who are just trying to better their credit standings and it's not fair! We can't even close these scam cards because it will hurt our credit even more!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please rewove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: National Credit Adjusters, LLC
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:
I checked my credit report, and there is a debt with a {$680.00} amount. I have tried to get a debt validation by sending a letter. No information or response has been given to me. It is now way past 30 days. I sent a letter in XXXX. I would like for them to validate this debt. I would like evidence that I owe this debt to NCA. I have never had any business with them. I do not need verification of my address. This company is not following reporting and validation guidelines of the FCRA. If this can not be validated I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an account with my then boyfriend, XXXX XXXX, at the US Bank branch he XXXX in XXXX Illinois a couple years ago. I kept the account, even after we had broken up, as a savings vehicle. I rarely have more than {$100.00} in this account. The last time I checked the account, there was less than {$10.00}. I received an e-mail alert about a new balance yesterday and checked my account. It 's in the XXXX by $ XXXX. US Bank will not help me. They refuse to refund the overdraft! They state that I signed a form that gave them authority to authorize purchases on my card, even if I did n't have the funds to back them up. They are refusing to give me a copy of the form I " supposedly '' signed that gave them this permission. Furthermore, they left the final decision in my ex-boyfriend 's court. He naturally denied to refund me the overdraft! I have tried to work with US Bank. I asked to close the account and they wo n't. Even after I have paid {$150.00} towards the balance ( automatic debits that had the wrong information to draft from ), there are still overdraft fees to keep the account open. Every 8 days, they are going to charge me another {$25.00} for the overdraft fees!

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