BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: LA
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:
Their are inaccurate information on my credit reporting

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 2016-08-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I recently filed for bankruptcy in 2016, when contacted by the Navient Student Loan they wee informed of this. I asked to have the forms sent to me to start the process of having the loans removed off my account since I did file for bankruptcy. I was told that I would receive the forms by mail on XXXX different occasion in the meantime the rep said that I would be put in forbearance. That conversation took place on XXXX/XXXX/2016 and was told in the email it would last until XX/XX/XXXX2016. Than I received another email XXXX/XXXX/2016 that my forbearance was ending. I have still yet to recevie the paperwork for a dismissal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
For over a year, I have subscribed to Experian for a monthly review of my credit status. However, when I tried to get the information for the current and the last cycle, both of which were billed to XXXX XXXX, Experian claims that the personal security I provided is not the same as what I submitted originally. I have never changed that information -- my mother 's maiden name, my date of birth, my SS number, the name of my favorite teacher. I asked XXXX XXXX to remove the current charge and not to accept any more payments using my XXXX number, and they quickly agreed to do that. I intend to meet this week with my attorney to see what happened to my information, and how I somehow am being ignored by Experian. 
Thank you very much for any information and assistance you can provide. 
And blessings on XXXX XXXX XXXX for being the moving force behind the CFPB! 
XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Their are inaccurate information on my credit reporting

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 2016-11-29
Company: TFC Group, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I did a loan on my car with TFC. I gave them a check in XXXX to pay my registration and send me the tags. I was to get a credit of {$200.00} off my first payment as well due to me pointing out some hings on the internet about them. This came from the owner XXXX. I did not make any payments since I never got my tags nor coupon book not even the email confirming the credit. Then was getting calls that my car payments were late. I explained to several people over the phone the situation and all they wanted was the money. I finally got my tags in XXXX along with the credit on the XXXX of XXXX. By that time they repossessed my car. This was just fraudulent and I do not believe they intended to do anything but get the car. Once they took the car, I was never informed of where it was to get any personal belongings, never told if sold or not, all communication basically stopped shortly after. I requested several times to go and get my things and also pointed out when am I going to get notice of 10 days prior to the sale and received nothing in return. Also one day the repossession fees are {$400.00} and then the next {$500.00}. How do they go up and I was told that the state only allows {$220.00} as well. In the contract you see my signature on one page and that is it. I do not recall if I signed more pages but I am sending the contract to show. On the check I gave them for the tags, the number came from them. On the registration, there is no late fees showing due yet they say I owed more and that was part of the problem. I was not going to pay more money to them just because they say I owed more when the number came from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am holding Checking Account with Bank of America way back from 2010 Last year in Covid due to personal emergency I had to withdraw the fund and due to which I went low on balance and I was started charging fees Due to personal situation I did not got a chance to review the account and was keep getting charged for 12 months around XXXX $ I spoke to them and request to wave the fees but they are not considering the same I had another saving account link to the same account and have enough balance but they are not considering that

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 monetary relief
Consumer complaint received 2017-02-28
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I RECEIVED AN EMAIL ALERT ON XX/XX/2017 VIA XXXX INDICATING I HAD A CHANGE WITH MY DEBT. I LOGGED ONTO XXXX SITE AND NOTICED THAT STELLA RECOVERY REPORTED THAT I OWED {$1400.00}. I HAVE NEVER HEARD OF THIS COMPANY AND I HAVE NEVER RECEIVED ANY CORRESPONDENCE FROM THEM REGARDING THIS DEBT, YET THEY REPORTED THIS TO 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 2021-09-29
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for my financial goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Immediate Credit Recovery
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My wages have been garnished to pay this defaulted loan through Immediate Credit Recovery. I applied for Economic Hardship ; and regulary went to website ; saw status messages I did n't understand ; called Immediate Credit recovery they did n't return calls. I complained via myeddebt.gov. within the past week I called & was told garnishment was suspended & set up voluntary payments. I waited so I could do research. a few days later I call back to set up voluntary payments and find out that my account is on hold due to my complaint ; wage garnishment still in effect. My account will be on hold until Immediate Credit Recovery ( or Dept. of Ed ) investigates my complaint. This seems so retaliatory. I am glad I waited to attempt voluntary payments. I would have been paying via wage garnishments and voluntary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE! 
Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE! 
Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, 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 2021-09-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE!

Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, 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 2022-05-04
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
HELLO TO WHOM IT MAY CONCERN IM CONTACTING YOU ABOUT XXXXXXXX XXXX XXXX FL XXXX BETTER KNOWN AS SOUTHERN MANAGEMENT COLLECTION AGENCY.THEY CONSTANTLY CALL MY PHONE DEMANDING ME TO PAY A DEBT OR I WILL BE PROSECUTED ACTING LIKE ANOTHER COMPANY ASKING FOR ANOTHER NAME AND I TELL THEM WHO I AM THEN THEY SAY I HAVE A DEBT WITH SOUTHERN MANAGEMENT VERY RUDELY AFTER I HANG UP THEY IMMEDIATELY ATTACT MY CREDIT REPORT AND THEY WONT STOP I HAVE DISPUTED THIS MATTER WITH XXXX, XXXX, XXXX NOW XXXX AND XXXX WAS REMOVED.THE COMPANY NEW THOSE DISPUTE 'S WERE REMOVED EXCEPT XXXX THE LAST TIME THEY CALLED ME THEY TOLD ME THAT XXXX WILL NOT BE REMOVED IN A DISRESPECTFUL DISTASTEFUL MANNER AND ALSO TAUNTING ME ABOUT KEEP HITTING MY CREDIT THE REST OF XXXX AND MORE THEN HUNG UP IN MY FACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2021 : My husband tried to make an airline purchase online for a little over {$900.00} today. He received a text with a validation code ( twice ) which did not work. We received an email with a case # stating " As a security measure, we routinely monitor account activity to prevent fraudulent use of our customers accounts. 
During a recent review, we identified activity on your account that may be related to fraudulent usage and need you to verify this activity as soon as possible. '' I immediately called the phone number on the email ( XXXX ). I was put on hold and told it would take approximately 45 minutes for the fraud department to unlock our cards. Meanwhile I called the number on our card for customer service XXXX. I asked to speak to a supervisor, after begging for some time I spoke to " XXXX id # XXXX  '' who said they are busy and the hold time is 2 hours and she could do NOTHING. I have now been on hold for over 2 hours. This is the only credit card I own. My husband used a different credit card that he has ( I am not linked to ) because the price of the airline ticket actually increased {$13.00} in that amount of time. We do not get points on the card he was forced to use to ensure the airline ticket was secured. I can not believe they are treating customers this way. We did not choose for them to lock our cards. We do not have any stipulations set on our credit card asking them to do this.

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 2022-05-04
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received two notifications that I was being sued by Klima, Peters & Daly P.A. for debts they claim are owed to XXXX XXXX supposedly on the behalf of XXXX XXXX. The hearings are scheduled for XX/XX/2022. On XXXX separate occasions, I requested the documents listed below but the attorneys have failed to send them. I sent XXXX 's attorneys two written requests ( for each case ) for this information ( one on XX/XX/XXXX, and one on XX/XX/XXXX ). I have the right as a consumer to request proof of the debts they say I owe to them or their client and proof that there is some contractual obligation that is binding me to pay these alleged debts to XXXX XXXX  and the right to defend myself when being wrongfully sued. 

Copy of the original signed credit application between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

2. Copies of all statements and correspondence sent from XXXX XXXX XXXX  XXXX. to XXXX XXXX unredacted. 

3. A signed Contract between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

4. Copy of the check that was cashed for purchase of this particular debt and this debt only.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My company received a call from XXXX XXXX asking for me, I did a web search and they have had complaints from the FTC filed, and I do not believe they should contact my workplace.

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 2016-01-21
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Medical Data Systems, Inc regarding XXXX medical accounts. I was asking them about settlement/payment options. I was told that I could not choose which account I paid first. They told me if i sent in a payment that they would apply it towards the oldest account first. I asked again if I could pay the smaller accounts first and again I was told no that it would be applied to the oldest larger balance and I did not have the option of choosing which account I paid. Under section 810 of the FDCPA it says that I have a right to choose which accounts I pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Allied Collection Services, Inc. (Nevada)
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over a year ago, XXXX, I received an email from a police officer in XXXX saying that XXXX ( a XXXX company ) was pressing criminal charges against me alleging fraud over a {$600.00} transaction. I attended the court date, and neither the officer who filed the complaint nor a representative from XXXX payments was there. The judge informed me that I would be notified of a second court date appearance where the case would be settled, however I was never contacted again regarding this matter from the court or the company, and I assumed it had been thrown out by the judge. 

Today I come to find my credit score is lower than it usually is and see that there is a collection claim out against me from XXXX through Allied Collection Service , Inc. of XXXX for the same disputed amount that I had previously attempted to settle in court. 

So, 2 years now after the disputed transaction has occurred I 've had criminal charges and a civil suit taken out against me. Is n't this barred by the Constitution ( 5th Amendment )? Also, if XXXX would have just sent me a bill in the mail as soon as they realized they were not paid for the disputed transaction, I would have gladly paid it and had this done with. 

At no time have I even been able to defend myself to the company or in the court. And now, over a year later, they are targeting me through a collection agency. 

This just does n't seem right, especially since I have received no emails, letters, or phone calls regarding this matter besides the one notice that said I had to appear in court, which I did.

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