BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I recently contacted American Education Services ( AES ) on XXXX XXXX, XXXX. I spoke with customer service rep, XXXX, with employee ID # XXXX. My call was in reference to XXXX loans that have now come into repayment status, and were formerly owned by National Collegiate Trust, but are now managed by AES. XXXX other loan, formerly owned by XXXX XXXX XXXX, and now managed by AES is current and the payment is manageable. 

I 'm currently unemployed, diligently seeking employment but have not yet received any job offers. I was last employed full-time in XXXX. XXXX was highly professional and diligent in seeking a solution to offer. I had inquired on the possibility of deferring or forbearing the XXXX loans. XXXX was unable to offer that option, or rather AES was insistent in not extending this offer. The only solution she suggested was to place all XXXX loans into an automatic payment plan that would lower my percentage rate by a 1/4 % over the life of the loan. Yes, that does make sense ; however, I can not acquiesce to that offer until I can make payment on all XXXX loans. 

Despite XXXX 's professionalism, in other calls to AES, I have found its employees rude and belligerent. When I asked to escalate my issues to a higher manager, they would say, " Why? They 're just going to tell you the same thing? '' Inexcusable. 

I would greatly appreciate any assistance you can offer to mediate this situation CFPB. I realize that I am contractually obligated to repay these loans, which I have never lost sight of ; however, I would like to reach an agreement with AES that would mutually satisfy their need or assurance of repayment, and my need to make a payment that is substantially lower than what I 'm currently now paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NJ
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 XXXX account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( 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 ; also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( 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 ; also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-06-02
Company: EQUIFAX, INC.
State: PA
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  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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Choice Recovery, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was a medical bill from a workers comp claim that was resolved. The collection company has failed to provide any notification of the collection and or an opportunity to dispute. 
Please remove this debt from all of the credit reporting agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1st Call : on XXXX/XXXX/2016 at XXXX - I received a call from Wells Fargo Mortgage Company, at which time I identified myself and advised that I will be making a payment on Friday XXXX/XXXX/2016, for my past due of {$760.00}. 
2nd Call : on XXXX/XXXX/2016 at XXXX - I received a 2nd call from Wells Fargo Mortgage Company, at which time I identified myself again " This is ... .... '', I advised that I had already spoke with someone, and that the Representative had a right party contact. I told the representative not to call back, she then stated " we 're going to call you back again '' I said what did you stay and she repeated her threat " we 're going to call you back again '' I told her she had better not. I hung up ... 
3rd Call ... 
On XXXX/XXXX/2016 at XXXX - I received a 3rd call from Wells Fargo Home Mortgage I identified myself again " This is ... .. '', I asked to Representative to let me speak with a Supervisor. The Representative put " XXXX XXXX " on the line, she identified herself as a Supervisor. I told her that this is the 3rd call and advised her of what the last representative threaten the Well Fargo would be calling me back a 3rd time. The representative did not remove me from the dialing system to discontinue calls for that day. I told the Supervisor, this is Harassment, they should have not called me back after they had spoken with me on the 1st call. I advise the Supervisor that I would be filing a complaint for Harassment.

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 2015-06-10
Company: Focus Holding Company
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:
I get robocalls on my mobile phone from Focus Receivables Management claiming I owe a debt that I don't owe. They call from different numbers. The most recent are: XXXX and XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Ad Astra Recovery Services Inc
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I submitted a debt validation to this company under the Texas Finance code Section XXXX which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent lease form and a claim form. It did n't include original date of non-payment with creditor, date debt was transferred from original creditor, and the Texas Surety bond information. Per Texas law, this is to be removed from my credit report immediately. 

Also this company threatened to garnish my wages and report me to an attorney which is not allowed in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points, which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2015-04-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This complaint presents a separate violation. I have submitted formal demand for Experian to block the XXXX collection records reported by XXXX XXXX XXXX. XXXX XXXX XXXX falsely reports that I have not contacted them directly and that I have not submitted all required documents to show proof of identity theft including the identity theft police report and other supporting documents. Experian has sent me notice that the XXXX records remain on my credit report and direct me to contact the creditor because they have no way to contact me. That is a blatant lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I worked with a debt collector to settle an account which i paid off. The debt collector reported to experian that the account has been paid. But when I requested that this account be remove, it was denied. The account is hindering me from finding a place to live for myself and my child. The response i was given was that the debt will remain for 7 yrs. But over the last two months i have paid off three other debts and requested the also be removed with no problem. I dont understand why sum debts can be removed and others even if paid remain no matter how detrimental it is to my wellbeing. Ive worked really hard to correct my past mistakes with my credit and have built a XXXX score from a XXXX score just a lil over a yr ago. I would appreciate any help if possible with getting this paid off debt removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing stuff on Experian credit report agency for almost a year. They They do n't respond in the timely manner. Disputes takes over 30days should remove from Experian credit report. At least that 's what the law indicates. I would like to escalate this problem on a bigger issue. report this agency. 
Please help me in this matter as this is getting very annoying. My family is looking to buy a house and this is a burden on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: ASTA FUNDING INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Received copy of letter and motion falsely stated to have been submitted to a civil court with notice of hearing date and time. Contacted court and found that no motion had been submitted to them, but the original case referred in the supposed motion had been filed in a name similar, but different from mine XXXX XXXX, 2006, living at a address in a state I have never been to. Having checked out online Palisades Collections, LLC, the original debt collection company, I found numerous complaints similar to mine which were obviously fraudulent attempts to get people other than the original debtor to pay debts for the sole purpose of protecting their credit ratings and avoiding possible legal action. Please check XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
CURRENTLY THERE ARE XXXX ADRESSES LISTED ON MY CREDIT REPORT. 
PLEASE REMOVE THEM AND LIST ONLY MY PHYSICAL ADDRESS OF : XXXX XXXX NY XXXX THE XXXX XXXX WERE THE LISTED WITH THE PHYSICAL ADDRESS NOT AS SEPERATE ADDRESS THESE WERE STILL CONSIDERED THE XXXX ADDRESS 3 YEARS AGO DURING ROAD CONSTRUCTION I WAS PROVIDED XXXX XXXX XXXX SO I DIDNT MISS ANY MAIL DELIVERY THE XXXX WAS PROVIDED FOR MISSING MAIL ISSUES DO TO OTHER PEOPLE STAYING AT THIS RESIDENCE I WAS ALSO RECONSTRUCTING MY DRIVEWAY THIS PAST 12 MONTH AND SOMETIMES MY MAILBOX AT THE PHYSICAL PROPERTY ADDRESS WAS NOT ACTUALLY UP PLEASE REMOVE BOTH XXXX ADDRESSES FROM MY CREDIT REPORT, ALL CONSTRUCTION HAS BEEN COMPLETED AND OTHER RESIDENCE HAVE MOVED I WILL BE RETURNING BACK TO THE PHYSICAL ROAD ADDRESS.

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 2017-02-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent them the document in this complaint and I got the letter from them dated XXXX XXXX. I then called them om XXXX/XXXX/2017 and they told me my document that clearly states that I paid it in full, was not good enough. I called the XXXX and told them what had happened and they were baffled that it was still on my credit report. They told me to write a complaint to 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 non-monetary relief
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This letter is being sent to you in response to a listing on my credit report from CREDITCHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDITCHECK TOTAL. 
For the purposes of XXXX XXXX XXXX XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

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 2016-05-11
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was told I could receive a copy of my credit report from a Experian XXXX after a company used them for my decision. I mailed Experian XXXX exactly per address given and it was returned " Return to Sender '' Unable to Forward '' Then I tried the XXXXXXXXXXXX they also gave me and it says no such web address. See attached for letters and return envelope etc Thanks

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 2017-10-12
Company: Aqua Finance, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX 2017, I signed a contract agreeing to buy a water treatment system for my home. The system 's cost was {$6400.00}. Paying for the system was to be financed through a 12 months same as cash promotion. The finance company is Aqua Finance XXXX XXXX in XXXX, WI. On XX/XX/XXXX, I had n't received any information from Aqua Finance and I was curious when my first payment would be due. I called the finance company, spoke to a woman named XXXX, and was told that my first payment of {$530.00} was due XX/XX/XXXX. Today I discovered, after intense inspection of the contract, that the contract states that the 12 months begins on the day the contract was signed. This makes the term 10 months, not 12 months. If I continued making payments as instructed by the person I spoke to I would have been libel for over {$1100.00} in interest payments come the termination of the contract. 
Both Aqua Finance and XXXX is guilty of deceitful and unethical practices in misleading people in believing they have more time to pay then they actually do. 
It is for companies like this why Americans need agencies like the Consumer Financial Protection Bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation