BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: Dynamic Recovery Solutions, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been in prison for to years i just got out XXXX XXXX XXXX i just recieved a letter from Dynamac Recovery Solutions saying that i have a current balance of {$990.00} they say i may resolve my account for {$690.00} if the payment is received by XXXX XXXX XXXX i have been locked up for 2 years and have no idea what this collection is for or why they are sending this to me late if you can please help me dispute this and just get it off my credit please i jist dont want to be bothered by this especially not knowing what it is for

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 2022-09-12
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a refund on XX/XX/29. I havent receive any updates or answers so I called again on XXXX to get any answers and no one could answer me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: BlueChip Financial
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On approximately XX/XX/2022 I applied for a {$500.00} loan from Spotloan.com and was approved. Spotloan sent me an email confirmation for my loan along with my proposed payment schedule which consisted of 20 payments for {$95.00} and 1 final payment of {$94.00}. My first payment was scheduled to be billed on XX/XX/2022 and I had the payment set up to come out of my checking account. 

On XX/XX/2022 I called Spotloan to find out my early payoff balance. The customer service agent I spoke to told me that if I pay off the entire balance in full on this day the total amount owed would be {$530.00}. The customer service agent asked me if I want to go ahead and proceed with paying off the loan today. I told him yes and he said that due to the holiday weekend that the payment would not come out of my checking account until XX/XX/2022. I asked the agent if I would have to pay any additional interest, and he told me no the final amount would be {$530.00}. So, after the agent reassured me I would not be charged any extra interest I authorized him to bill my checking account for {$530.00}. 

On XX/XX/2022 I noticed a charge on my checking account for the amount of {$95.00} so I called my Credit Union to find what the charge was for and my Credit Union told me the charge was from Spotloan.com. Spotloan was closed on XX/XX/2022 because it was a Saturday so I waited until XX/XX/2022 to call them because XX/XX/2022 was XXXX XXXX so I knew they would not be operating for business. 

On XX/XX/2022 I called Spotloan and spoke to one of their customer service agents. I asked the agent why I was charged {$95.00} extra when I payed off my loan in full on XX/XX/2022. The agent told me that because all of the banks were closed on Monday they billed me for {$95.00} on XX/XX/2022 and because the charge was already pending it was irreversible. I explained to agent that this was unfair because I paid off the loan in full the day before and he told me that's just the way it is and there is nothing he can do about it. 

So, I demanded to speak with a supervisor who told me that because the banks were closed on Monday their system automatically generates a payment request to the banks a day early because Saturday and Sunday are not business days. I told the supervisor that this does not make any sense because my payment wasn't scheduled to come out until XX/XX/2022. The fact that Spotloan billed me on XX/XX/2022 instead of XX/XX/2022 means they did not honor the terms of our contract. 

The supervisor would not acquiesce my request for a refund and he gave me a confusing explanation as to why they had to bill me before my billing date. I ended the phone call not understanding the supervisor 's explanation, but knowing that I had just been scammed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a neg ative mark showing on my credit report as a collections account with a company called Debt Recovery Solutions.  They show the original creditor as :  XXXX . This debt collection just started showing on my credit report last  XXXX   2016 . I contacted Debt Recovery Solutions and told them I needed verification of what this debt was for because I had no idea what this was all about. They contacted me with in 48 hour s, but all they could tell me was that they verified the debt with  XXXX . I informed them that I needed details as to what the debt was for. I was told I would need to contact  XXXX  to obtain those details. I called  XXXX . After being transferred and retelling the story 3 times, and after being on hold for roughly  30 mi nutes, I was then informed that they had no record of what the debt was for. All they knew was that I owed " for something. '' I told them this was unacceptable. I then proceeded to dispute this with the credit reporting agencies - spelling out for them everything I just wrote here. All of them said the debt was con firmed. I assume that no real investigation occurred and that they just took the word of Debt Recovery So lutions. To this day,  XXXX  can not and has not provided an itemized bill of what I owe. While it is severely damaging m y credit score,  I refuse to just pay out {$870.00} that I do not owe. I do hope this agency can give some assistance to bringing resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to TransUnion Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance : {$26.00}

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 non-monetary relief
Consumer complaint received 2022-09-12
Company: Revco Management, LLC
State: IN
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:
XXXX is taking my money for overdrawn account and sent it to collections as well thats illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: Rhode Island Housing and Mortgage Finance Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We requested to have our Mortgage Insurance Premium ( MIP ) removed from the FHA loan on our condo in  XXXX   XXXX , RI in the first week of  XXXX   XXXX . The loan was originally signed in  XXXX   XXXX . Once we received confirmation over the phone, we sent in checks to the amount of {$7200.00} as requested to reach the 78 % required to have the MIP cancelled. The first response from RI housing we received after that was on  XXXX   XXXX  from  XXXX   XXXX , the Customer Service Escrow Supervisor. She stated in an email that the MI could not be removed at that time, but gave no explanation why. After multiple requests by phone and email to schedule an appointment,   XXXX    sent an email on  XXXX   XXXX  saying that the risk manager would be sending us a letter. Multiple times we conveyed our confusion to the response, as the regulations we had found confirmed our ability to cancel the MIP at our request once we met the standard guidelines. On  XXXX   XXXX , Risk Manager  XXXX   XXXX  sent a letter saying that the MIP would not be cancelled and did n't answer our questions regarding  12 USC 4209 ; the  federal guidelines toward cancelling MIP at the request of the borrower. On  XXXX   XXXX  we received a letter stating that we were defaulting on our mortgage due to lack of payment. This is objectively false, and due to the unnecessary delays by the office our payments were never documented. We have saved the email correspondence, have our bank statements, and will be counting all the phone calls we tried to reach R I Housing wit h. We stopped calling  XXXX  's office because our calls were never answered. We tried different phones within the office and asked to be connected in order to get through. We asked for what is rightly ours by the federal laws that protect borrowers. We have met all the criteria to have our premiums cancelled. The premiums RI housing continued to collect 30 days after our initial request should also be refunded to us as the borrower ( which is protected by federal law ). The letter stating default on the mortgage needs to be removed from record as it 's false and destructive for our credit. The office 's inability to offer an adequate customer service needs to be documented and has been proven to be detrimental to the clients they claim to serve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a check and savings account with Regions Bank on XX/XX/XXXX, with a promo to deposit {$400.00} into the checking account once a minimum deposit was added to both accounts ( submitted the same day ) and a minimum number of debit card transactions ( 10 ) was reached within 120 days. A debit card was n't mailed to me until more than 60 days after account opening, at which point I was unable to receive it because I was out of the country. The bank was unwilling to honor the promotion while accounting for the tardiness in sending the account products, and so I elected to close both accounts. I 've contacted the bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today. In all of these communications, the bank refuses to close the savings account and return the money on deposit without sending a notarized letter - an action I 've indicated I will be unable to perform until I return to the US - late XX/XX/XXXX or early XX/XX/XXXX at the earliest.

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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a backround check for a job. The consumer report dated XX/XX/2021 shows an alias that is not mine. The incorrect Alias is XXXX XXXX XXXX. The only Alias 's that I should have is XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I would appreciate it if an investigation can be made to remove that name or any other names that I do not belong to me from my consumer report. I feel that there is some kind of fraud going on. I feel that my youngest son 's father who I only knew for a year may be the one using my information fraudulently. He has a history of fraud.

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 2020-10-07
Company: T.S. Holdings
State: IL
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:
This company is reporting inaccurate information on my credit report, and refuses to launch an investigation into the account thats being reported to Credit Bureaus under my Social Security number. On XX/XX/2020, I mailed a dispute letter via United States Postal Service Certified Mail, to I.Q. Data International Inc. to the address XXXX   XXXX XXXX XXXX, WA XXXX, which is listed as their contact information. This dispute letter was delivered and retrieved from I.Q. Data International Inc., on XX/XX/2020, it requires a signature from the recipient for its release via United States Postal Service. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). This company also failed to mark my account as disputed within 30 days which violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the 30-day required. I have attached a screenshot of the tracking information stating this letter was received on XX/XX/2020. It is XX/XX/2020 and I still havent received anything from this company pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately with XXXX, XXXX, XXXX  and any other credit bureaus. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file, without launching an investigation that is required by law. I believe theyre in violation of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
My Name is XXXX XXXX I have requested some form of paperwork of legal docs supporting the claims of the following accounts : XXXX XXXX XXXX, XXXX XXXX. This is the 3rd time I have filed a complaint over the unknown account on my credit file. 
It is well known that FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for theseissues, and that section 621 of the FCRA supports my request in this matter

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 2021-10-28
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has continued to report to collections an account opened over 7 years ago that was opened under false pretences. Most recently upon request to dispute ( 10 + attempts previously ) they have reported this as a newer account opened in 2019. This account was opened fraudulently by a family member but no legal action was taken on my part. They continue to reopen and deny all previous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Lockhart, Morris & Montgomery 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:
XXXX have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Nelnet, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have historically paid my Perkins Loan online at https : //borrower.ecsi.net/. On the site in the secure portion, I have used the direct payment choice which makes a payment direct from my bank without any fee. This has been done on a one time ( single recurrence ) basis. ECSI is developing a new website ( http : //www.heartlandecsi.net/ ) that they have encouraging the use of. On the new portal, there is not an option to make a one time ( single recurrence ) payment from my bank without incurring a fee of ~ {$2.00}. Across multiple accounts and over time, this is a substantial amount of money. I 'm complaining about there now being a fee for a service that previously did not have a fee. I have called the company and they were unhelpful. Additionally, I have attempted to work with the University XXXX XXXX as they technically still own the loan to get them to fix the issue. Neither has been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NY
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE SENT  XXXX XXXX SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS X/XX/17(2  MOTHS AGO) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION,LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!
I HAVE ATTACHED THE CREDIT REPORT FROM XXXX AND XXXX. XXXX XXXX STATED THAT MY REMAINING BALANCE IS $XXXX. IF I PAID $XXXX ON TIME FOR XXXX & XXXX THE BALANCE IS ABOUT $XXXX. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!
THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE
FROM ALL 3 CREDIT BUREAUS . MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX during Covid 19 Pandemic was not able to make online payments on my mortgage, due to problems with the lenders online platform. I instead made payments by check thru certified mail. I have spoken with lender multiple times and they do not correct the error on there behalf. I still do not have access to my accounts online, and I am now suffering from the negative reporting that should had never been on my file to begin with. I was told that the late payment was going to be removed months ago. 

Transunion : XXXXXXXX XXXX XXXX  Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 XXXX : XXXX XXXX XXXX  Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 XXXX : XXXX XXXX XXXX  Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/ 2020 2020

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 2021-10-28
Company: Mobiloans, LLC
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Untimely response