BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My brother was renting an apartment in my name and paid every month until the end of the lease. His next move was to move out with a friend or stay there for another 6 months. He informed the apartment complex of the situation and advised them that he would have a final decision within the last 2 weeks of the lease. He did so inform them that he would be moving out within that 2 week time period. They then told him that because he did n't turn in a 60 day notice that he would owe 2 additional months rent @ market value because that notice was not turned in. He did n't turn one in because of the uncertainty of where he was going to live and was in complete communication with them to this fact, but they then charged to my renter 's history the 60 days @ market value when the entire lease term was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: ENOVA INTERNATIONAL, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Submission of complaint : CashNetUSA CFPB, 1. I had a 2-year Flex Loan with CashNetUSA. Approved via telephone and opened XX/XX/XXXX. I had automated debit payments through my checking account. The loan was paid in full meeting the contract agreement on XX/XX/XXXX. 
Months passed and it was not reported on any credit reporting agency ; XXXX XXXX or XXXX With perfect payment history, I expected this positive loan account on all 3 credit bureaus influencing my credit score. 

2. I have contacted CashNetUSA multiple times in a 2 year period to have them report my paid off loan to 3 credit bureaus. Each call I heard the same information from " supervisors '' saying : " We do not report information to credit agencies ''. When I asked ; I cited the Fair Reporting Act 15 U.S.C. 1681. They refused to report my loan to any credit bureau. 

A. I asked if they reported negative information for nonpayment of a loan ; their answer was " yes ''. 

3. I have contacted all 3 Credit Bureaus. 
a. Websites : Disputing the omission of my 2-year flex loan through CashNetUSA. All 3 agency websites were not formatted or set up for disputes of " non-information '' or " information not listed ''. 
b. Phone calls : Several with no action. 
c. Mailed packages to 3 credit reporting agencies with multiple pages of detailed loan information and payment history. I received 3 letters back telling me to call them. After multiple phone calls to 3 credit bureaus explaining my case, CashNetUSA is still NOT listed on my personal credit reports. 

4. There has been no resolution as of today. XX/XX/XXXX. 

4. Attachments enclosed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX XXXX, I was contacted by First Mark Services concerning my private loan. I XXXX from XXXX school on XXXX XXXX, XXXX. Immediately after XXXX I requested a grace period of 6 months after XXXX to begin repayment. A representative, XXXX XXXX from First Mark Services indicated that their records reflected that I used the grace period during the period of XXXX XXXX through XXXX XXXX. However, during that time period I was enrolled in school and did not use that grace period for repayment as I was a XXXX student and not required to make payments on the loan during that time. At the time, I submitted the form to nelnet loan company it was accepted by the customer service in XXXX. 

I submitted the same form that during that time I was enrolled as a XXXX student in school ( XXXX in XXXX ). Upon submitted the form I found that without further evaluation or confirming my enrollment they denied my request via the indicated form. 

Desiring to resolve this matter I then requested to reduce my payment amount to {$50.00} a month since I am currently unemployed and preparing for resident matching this summer, XXXX. After several email exchanges with XXXX XXXX, it was concluded that I could make $ 50 monthly payments until I became employed and was able to make the full monthly payment amountIn my email I stated that I will be able to make {$50.00} now then 2 weeks later I will be able to make a payment of {$100.00}, then afterward I will make auto pay of {$50.00} a month. I made my XXXX payment of {$50.00} then he contacted me and indicated that I will need to start making full payments and denying that he agreed to reduce my payment to $ 50 monthly. 
I felt I was really misinformed and misguided by the company. At the same time, I felt I was robbed of my grace period. 
I am trying hard to work things out with the company while the company is not even doing the minimum to help me. They are not even meeting the minimum requirements as indicated by law to completely inform me. They are using short answers that have misguided me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The following charges appeared on my account : {$2900.00} - XX/XX/2021 {$4200.00} - XX/XX/2021 {$1400.00} - XX/XX/2021 {$95.00} - XX/XX/2021 {$70.00} - XX/XX/2021 {$17.00} - XX/XX/2021 I reported these fraudulent charges to the company, and they reported that they believed the charges were valid. I requested rights to evidence used during the investigation on XX/XX/XXXX, as well as the opportunity to speak with the investigator. I have not received this information, and I have not been given the opportunity to speak to the investigator. Furthermore, they will not give me the phone number of the investigator, and they ask me to leave a phone number, which the investigator will call back, but he or she never does.

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 2022-01-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Early this morning I logged onto myrushmoreloan.com to make my payment. I thought something went wrong and made the payment again. I ended up making the payment twice. 

I tried deleting the second payment but the system said I could not and to call. I called and was told that they could not cancel the scheduled payment even though it was set for the next day. I explained my mistake and can not afford both payments. Also, other bills are going to be due on first and they will bounce. They said their policy will not allow them to cancel the payment -- I found this very confusing - how can a company simply not delete payment? I argued with the representative 'Chason XXXX who was only doing what he could with his limited ability. He said someone will call me back - I said I would hold - and I did hold for XXXX hour and XXXX minutes and to be hung up on. 

Granted this was my mistake, however all they had to do was cancel the second payment. 

Do they have the right to hold to do this because of 'their ' policy? 

Now I am screwed for the start of this month. I will be paying fees on many bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Selene Finance LP
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Selene took over servicing of my mortgage I have sent letters requesting verification of the debt the modification that XXXX had and how to continue with the modification ... ..they have ignored my repeated letters and calls and have just moved forward with the foreclosure which is tomorrow XX/XX/2017

Company response to consumer: Closed
Consumer complaint received 2016-04-20
Company: SIMM Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Simms Associates, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Risecredit, LLC
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I had a balance of {$100.00} and I refinanced my loan. I noticed on the receipt it was showing a negative balance of XXXX. I called thwn and asked why it was showing a negative balance and the rep said it was a glitch in their computer system. When I refinanced they gave me the new loan minus the existing balance of {$100.00}. I paid my loan off in full on XX/XX/2016. I recieved comformation my loan was paid off and then on XX/XX/2016 they said I owed XXXX due to a " returned payment '' on XX/XX/<YYYY> That was the day I refinanced, so the returned payment was From the glitch of the XXXX that was showing on their system. I spoke to my bank and they said there was never a returned payment and this company was definitely paid. In addition, my bank provided me with trace numbers for all previous transactions. I have called this company everyday since XX/XX/2016 and today in XX/XX/2016 it is still showing I owe this money with additional interest, of course. When I talk to the supervisor just gives a carefully scripted response that it is " under review '' despite the fact that I have provided them with all pertinent information. Im at a loss of what else to do bc it is impacting my credit because it is showing I have an outstanding balance of over {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have two credit card accounts accounts with Capital One that I have had for almost 27 years and 15 years. On XX/XX/2020, I was sent a notice that one account ( {$30000.00} line of credit ) would be closed due to being inactive. I called Customer Service today ( XX/XX/2020 ) to ask that it not be closed as I use it for emergency purposes in my XXXX XXXX I was told the discussion was final. I did not receive any prior notice that it would be closed. The customer service rep indicated that I would not have received any prior notice. I expressed my concern that although I hadnt needed this line of credit for many months, I did plan to use it for an upcoming project. More importantly, it provided financial peace for my XXXX  during a time of a global pandemic. I inquired to whether some/all of this credit line could be transferred to my other account. The response was that it is not their policy to transfer lines of credit. I asked to escalate the issue. He indicated that no escalation path existed but I could speak to a supervisor who had the same access/authority as he did. I declined. I find closing accounts during this time to be unacceptable just because they have been recently inactive. This account has a perfect payment history and I have a FICO of XXXX. I also attempted to request a replacement card for this account on XX/XX/2020.. .but the estimated hold time was 6 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: CL Holdings LLC
State: GA
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:
They sent me a letter saying i owe a debt for a cell phone. i sent them a letter telling them to verify debt with signature, they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: MA
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:
Dear Cfpb ; Equifax, XXXX and XXXX ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from  XXXX . I informed  XXXX  that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  XXXX . I contacted  XXXX  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited  XXXX  multiple times, it was to open accounts for my  XXXX  children or to address  XXXX  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during  XXXX  Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to  XXXX  that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.

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 2022-01-31
Company: EQUIFAX, INC.
State: MI
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone opened a fraudulent credit card in my name in 2020 now have a balance of {$560.00}. THIS WAS DISUTED WITH THE BANK AND TAKEN OFF MY CREDIT REPORT BUT NOW IT WAS RESOLD TO A COLLECTION COMPANY AND IS NOW ON MY CREDIT REPORT. 

NEVER HEARD OF THIS CARD OR BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: Cash Express, LLC
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have spoken with the actual owner on more than one occasion, and have filed previous complaint here. Theses people will not stop calling my phone. We do not have any loans with them at all. They are continuing to call my phone. I want them to stop harassing me. I will obtain an attorney and sue for harassment if this is not stopped. The owner has assured me on more than one occasion that they would never call again, but they are still calling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: CA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: CA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Square Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a person XXXX $ to go as a down payment on a XXXX XXXX XXXX they accepted the payment of cash app n XXXX, said they were on the way but never showed XXXX $ gone down the drain. I need my money bck was saving for a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: TrueAccord Corp.
State: TX
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:
I received an email from a man called XXXX XXXX who works for a debt collection company called True Accord. True Accord is located at XXXX XXXX XXXX, CA XXXX. 
The message claimed that I had purchased a product called XXXX from a company called XXXX XXXX, a skincare company. 
I had no knowledge of XXXX or the product. ON searching the internet I found out that XXXX XXXX is a skin care company. I also discovered that the product I was supposed to have bought was a supplement designed to build muscles! 

I absolutely refute that I purchased any product and especially XXXX called XXXX In XXXX years I have never failed to pay a debt and I have always paid on time. I am puzzled as to how XXXX XXXX came by my information and how it convinced True Accord that I owed them a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation