BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: Performant Financial Corporation
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I took a 5 student loans out in XXXX, for school totaling less than 6000 dollars. I never graduated. I consolidated these loans at 7 % and paid most if not all in full. 

I have had financial bumps in the road and have filed Chapter XXXX twice. Now I am told my loan in totaling XXXX dollars. I have asked for a detailed payments that have been applied, tax refunds that were taken. 

I never have gotten a detailed statement. Only a statement of what they think I owe I was told that the interest and fines accrues quickly. Also the 7 % interest rate I signed is on each separate loan consolidated. Which is an interest rate really of 35 % That in my opinion is a preditory loan Now they want to garnish my wages. I am still very financial unstable. 

I cant believe that this type of federally sponcered loan practice can happen

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 2017-05-26
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AMCOL just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keeps calling repeatedly asking personal questions that is none of their business. Ex. After stating the time they are calling is not a good time due to me being at work they continue to ask " why did you answer if you are at work? Are you on break or something? Why did you answer if you could not talk? '' and being very rude. Had to ask several times who and what they were calling about as they were trying not to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Global Trust Management LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has called my mother, my brother and threatened to contact my ex-husband and my father. They make multiple calls in a row to me and have contacted other people " trying to locate '' me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They use a robo phone to contact me and threaten mme with a XXXX year old debt that 's not even mine. 

They harass me all day and will not provide any documentation as to what the debt is XXXX on a Visa card??? That 's what they say I owe. That 's fraudulent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22
Company: Coinbase, Inc.
State: MN
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: NM
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:
XX/XX/XXXX XXXX notified me that I had changed my address. I had NOT XX/XX/XXXX received credit card in the mail I had NOT applied for XX/XX/XXXX Credit card company resolved this XX/XX/XXXX Mail is still being returned and forwarded to incorrect address XX/XX/XXXX to present Credit card companies are changing my mailing address to the FRADULENT XXXX XX/XX/XXXX credit reporting agency notified me that a new address is associated with my SS # XX/XX/XXXX credit reporting agency notified me that a new address is associated with my SS #

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 2022-03-22
Company: Tate and Kirlin Assoc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company is psychopathic in nature and continues to call, harass, mail, and collect on a debt that I do not owe. They have contacted my daughter repeatedly via text and refuses to validate the debt as accurate. I don't verify my information over the phone and never will. They have also threatened to sue and/or face jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of stress. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, XXXX was the only bureau who deleted the information. XXXX is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. Experian XXXX XXXX is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.

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 2021-10-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
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 received a modification from Rushmore on XX/XX/2021. I didn't pay the XXXX mortgage but called the modification department 4 or 5 times to ask if I needed to pay the XXXX Mortgage. I was told by each representative that I clearly didn't have to make a payment since my trial period would star in XXXX. I was also told that I wouldn't receive any credit reporting on my credit report until XXXX. I then received a letter from Rushmore on XX/XX/2021 that loan was being transferred to a new mortgage company XXXX as of XX/XX/2021. I paid the first trial period payment on XX/XX/2021, before the loan was transferred in accordance with the Trial Period agreement. Just this week after my loan has been transferred Rushmore reported me 60 days late on my credit report. I filed a dispute with XXXX and Rushmore refused to change the reporting even though I honored the Trial period and paid the first payment timely. At the time I was not behind on my mortgage when I received the modification. I would like this removed especially since it was told I didn't have to pay XXXX and my trial period started in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection opened on XX/XX/2020 from XXXX  XXXX XXXX / XXXX. Debt is attempted to be collected by Sunrise Credit Service. This is a violation of the Fair Debt Collection practices act. As this debt was never validated nor was I properly and legally made aware of this debt prior to it being attached to my credit report within the statutes in the fair debt collection practices act. This debt does not belong to me and I wish to have it validated, upon resolution, removed from my credit report immediately.

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 2022-03-22
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On or XXXX XXXX I paid my entire loan off to {$0.00} balance but it has not been updated to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Dynamic Recovery Solutions, LLC
State: NV
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 was sent a letter from Dynamic recovery solutions dated XXXX XXXX 2015 for a debt I never made. current owner is XXXX XXXX XXXX and the, original creditor is XXXX the debt is for {$1400.00} the letter states they will settle for {$370.00} before XXXX, {$440.00} in XXXXpayments or {$510.00} in XXXX payments I am not going to respond to this letter because I do-not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: Risecredit, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Applied for loan XXXX XXXX with Rise Credit. I had used this service in the past but needed to change my bank account number for the funds to be deposited in. Spoke with a representative who told me to proceed with my application then immediately email a voided check so they could update my info. The next day funds were not deposited into my account. I called Cust. Svc. and the rep informed me the prior rep gave me incorrect information and I would need to cancel my previous application so they could change my bank info. I sent a cancellation request in writing XXXX XXXX as per their policy and they informed me the loan was cancelled, my bank info was changed and i could reapply within XXXX business days. XXXX XXXX I logged into the Rise website and it showed the previous loan attempt had been canceled. There was no mention or information showing they withdrew the {$310.00} from my bank account. I reapplied and funds were deposited to my bank XXXX XXXX in the amount of {$310.00}. Upon checking my bank account I noticed Rise withdrew {$310.00} on XXXX XXXX ( the amount of the previously canceled loan ). The only issue was they never deposited the original loan into my bank account. So now, I am missing {$310.00} from my bank account that was not Rise 's to withdraw. I spoke with a rep XXXX XXXX who was unable to help me and told me they do not show in their system that they made the withdrawal on XXXX, yet my bank statement shows otherwise. Due to their error I have now had returned transactions and have been penalized by my bank for insufficient fund charges. The rep on XXXX informed me they " had an issue ticket in the system '' but there is no guaranteed date of resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: AMERICAN PACIFIC MORTGAGE
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was told my mortgage company would be America Pacific Mortgage through the whole loan process by my loan officer XXXX XXXX XXXX of XXXX. Loan went through alls good then I get a billing statement from a company called XXXX who told me they bought the loan yet I am still getting mail from America Pacific Mortgage. XXXX also ran my credit before the loan was even finalized. I tried calling American Pacific Mortgage but could only leave a message and no one is calling me back. My first payment is due XX/XX/XXXX and I do n't want to pay the wrong company. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: AZ
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:
In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & the following accounts- XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : XXXX  XXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022, I purchased a Visa gift card at XXXX grocery store. I received confirmation of the authorization that the card had been activated. I tried to use the Visa gift card to purchase groceries and the card was declined. I called Visa gift card they said no money was on the card. I called XXXX gift card services they confirmed money was put on the card. I called Visa gift card services again and the customer service representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My leased vehicle was involved in an accident and insurance company stated it was a total loss. The accident occurred within one week of turning in the vehicle at the end of the lease. The insurance company paid the finance company {$20000.00}. for the loss however per the lease agreement the payoff of the vehicle is {$19000.00}. It was explained to me that the finance company would refund the overage of payment however I was only refunded the last months payment, {$310.00}. When I contacted the finance company about the refund of the difference I was told that since they are the owner of the vehicle they get to keep any overage. I exclaimed that since the accident happened at the end of the lease I should have had the option to purchase the vehicle at the agreed price in the contract or the difference should have been refunded to me. Attached is the original lease agreement that should the predetermined purchase price and the insurance documents that shows the payout amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with XXXX XXXX  through Cash App on XX/XX/2020 and was due to receive my first direct deposit on XX/XX/2020, which I didn't. I reached out to the app, who informed me that I would receive the deposit in 3-5 business days. It is now 5 business days and I still haven't received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Hunt & Henriques
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Because I submitted a complaint and keep requesting for XXXX XXXX & XXXX  to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I get calls a number of times a day on my cellphone ( XXXX XXXX to collect a debt from Kia Motors Financial ( XXXX ). Neither I nor anyone else in my house own a Kia vehicle. Neither I nor anyone else in my house have a loan with Kia Motors Financial. The person they are seeking collection from is not myself or anyone in my house. I have told the reps a number of times and they tell there is nothing they can do and they can not change the telephone on file until the loan holder contacts them and instructs them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated phone calls, daily, asking for someone who does not live here. We told them that but they have been calling for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: AFNI INC.
State: MN
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:
Collection agency is trying to collect some money from me that has been closed several months ago due to the years that has been in my record. The case were closed, until such that they decided to open it up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX has violated my rights. 

1

5 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

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 2022-07-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Consumer Finance, On a recent review of my credit report , I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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