BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-21
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Continued to call and try to make contact with debt collector. They continue to take messages and claim the agent is on another call. I contacted them to try to make settlement so i can purchase my house and my time is running.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX/XXXX/2007 a personal loan was taking out with XXXX to help with college tuition.The loan was later taken over by Springleaf Financial, we make payments of {$700.00} per month, we have paid over {$50000.00} on a loan that was {$20000.00}, and we still have an outstanding balance of $ XXXX.Now the bill is showing a late fee of {$250.00} and {$450.00} in interest so nothing is being applied even though i make the payments online and on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for a loan with spring lead financial and borrowed XXXX they are including interest to the bureau that shows a balance of XXXX. No other credit company has even reported or included interest to a bureau. It 's not fair. It 's not accurate and it damages u when applying for a loan because the debt to loan income is not accurate which results n a denial from whom ur asking credit for. I have disputed this with bureaus and also they personal they reporting it 's correct well it 's not. I also have a loan with XXXX and few other XXXX they do n't include adding interest to a credit bureau .and the amt they said is correct on bureau do n't even match they automatic recording when u call. It 'd XXXX less than bureau reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
I have a title loan with Springleaf financial who was bought out by One Main Financial. I have been paying extra to get my loan down. When I was discussing a payment with them the other day they told me that I had {$180.00} sitting there waiting to become a full payment. I sent them this money over time to reduce my loan amount. They kept it separate allowing them to charge me interest on my account. If they would have applied that money to my account then less interest would have been charged to me. This does not seem fair be it seems like they are taking money from me instead of applying that amount to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The complaint starts with a personal loan that was taken out by me and my mother from One Main Financial. The loan was in my name and my mother cosigned for this loan. I stopped paying on this loan when I was fired from my job. My mother became very ill and I stayed home to take care of her because she became XXXX. She then passed away XX/XX/XXXX. I had not been able to pay on this loan for the 2 years I was off work and taking care of my mother. Starting XXXX XXXX my wages were to be garnished for {$8900.00}. As difficult as it has been losing at least {$250.00} every 2 weeks and raising XXXX children I understand this is my debt. My complaint is that now that this is almost paid in full which included the interest on the loan, that the Judgement Creditor is going to charge me 12 % interest on top of the interest already included on the balance. I do n't understand why I am being charged interest on top of interest. Can you please help me to understand that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: SC
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:
Hello. My name is XXXX XXXX. I filed a dispute on an account, XXXX XXXX XXXX who bought the debt from XXXX XXXX XXXX, that I paid off on my credit report for an account that is at a XXXX balance on my report on XX/XX/XXXX. On XX/XX/XXXX the account was removed and immediately reapplied to my account under derogatory remarks which dropped my score 31 points. Then on XX/XX/XXXX the account was once again removed then reapplied to my account dropping my score down another 79 points. Now the account sits in me derogatory accounts keeping my score low with a {$0.00} balance. I have called them multiple times to ask why the account has been removed and reapplied lowering my score more and more each time but they fail to give me an answer each time. I ask why it wasnt just left alone until the dispute was finished and again they fail to answer my questions and to fix the problem. They finished the dispute XX/XX/XXXX and I tried calling again after the dispute was finished to ask why it kept being removed and reapplied, or why it is still in my derogatory section and they still could not give me an answer nor were they willing to look into it and fix it. I have been trying really hard to fix my credit score but equifax has done this on multiple occasions where they remove an account and reapply it to lower my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This is a bill the I owe my 1st year of college, I rented an apartment off campus and when school was over I had 3 months left to complete my lease the amount of rent was {$320.00} a month but I was giving a settlement of {$1600.00} for XXXX XXXX from the National Credit System , Inc. I am trying to get this bill paid off but every times I talk to XXXX XXXX she is extremely rude and nasty when I ask her how come my settlement is so much, XXXX XXXX has forfeit the settlement of {$1600.00} only because I asked her for a detail bill for everything I was being charged on my credit report, That is my right to ask a collection representative what I am being charged for especially if they are collecting {$2000.00} with {$1000.00} being in late charges. This collection representative is abusing her position and not giving me a settlement now just because I asked for a detail bill this is against the law when I am trying to settle this bill, XXXX XXXX XXXX of National Credit System continues to abuse her authority just because i do n't know who else to turn to and to get this matter resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Genesis Credit Management, LLC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller called my mother 's phone twice and left threatening phone calls. The man ( he did not give his name ) said, '' _my name_ are you going to pick up the phone this time or not? '' When this failed he called my cell phone and said, " XXXX, pick up your phone '' in a menacing manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
We have a loan with Springleaf Financial Services Financial Services of XXXX Illiinois at XXXX XXXX XXXX of {$7500.00} at 22 %. The loan was to rehab our house in XXXX, IL. We requested an $ XXXX increase in the loan amount as the labor for the rehab is going to exceed our expectations. Springleaf proposed that they would refinance our car and give us {$2600.00}. We were not denied an increase, but we felt that we did not want to do that as the finance charged at Springleaf are greater than at our XXXX dealer. So, we withdrew out loan request with Springleaf. 

The issue is that we received a Statement of Credit Denial on XXXX XXXX, XXXX based upon a credit report from XXXX different credit agencies. Now our credit score will go down based upon this action, and we are trying to keep our credit up as we are still recovering from the loss of our business during the recent economic depression. 

We called Springleaf this morning ( XXXX XXXX, XXXX ) to tell them that they did not deny our credit, we choose not to accept it. They said there was nothing they could do. We would like this denial taken off our credit report. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed inquires on my credit report that were not mine and were not authorized and they were not deleted.

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 2016-09-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I have been XXXX for 15 years there is a {$850.00} debt on my report from 2014 for XXXX I was in XXXX records will reflect the facts.

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 2015-06-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Shows on the credit report that an account with a minor balance owed from XXXX XXXX from 2012, no other prior reporting. Reported immediately, not a blatant balance that was outstanding for long. {$79.00} was paid immediately. Requested to be removed because of these facts. Denied and only updated. debts on the report an estimated date that they will remove, this XXXX no. Also the last complaint filed with continually dropping my score since becoming a member from XXXX to today poor with continually placing paid debts, non valid debts on my report that why should this impact my score, there reply had nothing to do with the complaint. Contacted the Omnibudsman with no reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i got the information from my XXXX that showed experian will not provide the info on my credit score report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX was forfeited on XX/XX/XXXX. XX/XX/XXXX I received an alert XXXX XXXX XXXX XXXX entered a derogatory collection account due in the amount of {$340.00}. In result of Equifax dispute, XXXX XXXX XXXX back dated account to XX/XX/XXXX in the amount of {$340.00} with Original Creditor name being XXXX. XXXX XXXX XXXX XXXX is not in good standing in the State Of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed this account numerous to time to no avail. Experian has not sent me information stating how they verified that this account is mine. I called and they said the company had send them verification which is my name, date of birth, and address. They have not properly investigated this account. I disputed the account XXXX more time on XXXX XXXX, 2015 and I just pilled my credit report and it states : this item was updated from our processing of our your dispute in XXXX 2015. I disputed this account on XXXX XXXX, 2015 and today is XXXX XXXX at XXXX. How can they claim the response came from a dispute in XXXX and give me such a fast response. I believe experian did not do a full investigation on my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was denied online a copy of my credit report as they said they could not verify my identity ( I believe this is due to confusion with my son 's Texas address which appears to be reported as an address I have lived at [ I have not lived there ever ). I filled out their mail form as requested. I got back a response again asking me to verify my information with full name, SS #, complete addresses for the past 2 years, DOB, copy of driver 's license, and a copy of a recent utility bill. I responded again by using their required form, sending them a photocopy of my current Georgia drivers license, a photocopy of my social security card, a photocopy of my current electric bill, and on thier required form my addresses for the past 5 years, my SS #, full name, & DOB. As a response, I got back the SAME canned form asking for the same identification information again! 
What did they do with the photocopies of my drivers license, social security card, electric bill and other information? I provided each item on their list and checked it off, and even sent back the list with the required information to show I had provided it. I also stamped my current name and address on the front & back of each submitted item, so if it got separated it could be easily identified. What has happened to my information that I submitted to EXPERIAN? Why can they not get this corrected? I feel like I am in an infinite loop! My credit card was recently hacked and I need to see my report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Public tax liens that have been investigated and deemed resolved and released, still remain on my credit reports for all XXXX agencies. XXXX for XXXX for the State of Maryland ( paid ) and another for XXXX for the state of Maryland ( Deemed inaccurate ) released XXXX months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a notice from " Allied International Credit Corp '' indicating that I owe {$37.00} to XXXX which has been referred to ALC for collection. 
In fact, I have not purchased anything from XXXX in several years. They are also using a name which I do not typically use for purchasing any items on the internet. 
I believe the letter is a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent a letter requesting validation for a debt on my XXXX credit report. The debt is with Indepedent Recovery Resources in the amount of {$110.00}. I sent my first letter in XX/XX/XXXX and did not get a response. I sent another letter on XX/XX/XXXX and once again no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: CREDIGY USA CORP.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have sued for the Debt which has passed 4 years of Statue of Limitation in state of Texas. 
I am too scared and confused so I am contacting CPFB to step in help me Please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Trident Asset Management, L.L.C.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have continuously contacted the debt collector who refuses to honor my dispute of identity theft. I have provided all the information needed to support this including the police report and what happened when my car was broken into and all of my items were stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient really needs to be looked into. I was with XXXX until XXXX sold the loans to Navient. Never did XXXX charge me any late fees for being less than a month late. Plus, the amount Navient charges is exorbitant. Navient is a predatory lender. I would have never taken out any student loans, if I had known I would have to deal with such a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-29
Company: Trident Asset Management, L.L.C.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i contacted the collection company by writing, phone many of times to verify the debt. they stated i wrote a bad check inwich i obtained records from the bank that there is no ' bad check '. they will not send me any type of verification, they keep sending me statments that i owe the debt.under the laws i thought they have to send me evidence?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 've gotten repeated calls from a blocked number. When they leave messages. they note I need to call a particular number for any additional questions or concerns. I generally ignore the calls, having been through this scare tactic several times. The messages say they are with the XXXX XXXX for XXXX XXXX and they are preparing to process me on grounds at my place of employment or my residence. They also threaten to contact my HR team to learn the " process service '' protocol and work to garnish my wages. They go so far as to actually contact my XXXX XXXX department but upon a return call, they note they simply want me to call them back. If I do n't respond the way they intend, they escalate and the calls become more persistent. The messages more threatening. The guy even told me to contact my XXXX office with him on the line. I spent a good portion of my business day yesterday dealing with these scam artist and I 'm tired of it. I asked them to stop contacting my place of employment but she advised she would continue to do so because she has a legal matter to handle with me. This type of harassment needs to be stopped. It will eventually cost someone their employment. Then, no debts will be repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage is held by Carrington Mortgage Services in California. Have had many problems. Filed a complaint 2 years ago. Still no resolution y et CMS contin ues to harass me and is trying to foreclose on my house. See attached complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I sent a complaint to BB & T, because after two years of responses to my RESPA QWRs from XXXX XXXX XXXX ( XXXX ). they have written to me that the custodial bank for my foundational loan documents are in XXXX. In XXXX of 2015, XXXX wrote in a CFPB response that BB & T is now the custodial bank. I then sent a complaint to BB & T on the CFPB web page. BB & T immediately sent it back to the CFPB stating they had no account in my name. After sending another complaint to XXXX, they recently responded with the attached letter. In that letter, in paragraph XXXX, they claim once again that the custodian of the Loan is Branch Banking and Trust Bank. I also filed a complaint to XXXX ( XXXX ) XXXX this past summer, and they are still researching and trying to figure out how to respond. Does BB & T still deny they are the custodian? Is BB & T for some reason allowing XXXX to use them as a decoy? I do n't understand why the servicer and the banks including XXXX, XXXX XXXX, XXXX, and now BB & T continue to give me the run around on a few simple questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation