BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-23
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt to MNet Financial on XXXX for medical services earlier this year. I received a call from someone today, XXXX, saying I did n't pay it. I pulled up the information on my phone and gave that person the information that appeared in my bank account info showing it was paid. Because the information showed MNet 's phone number she said it was not sufficient to identify in their system. She said I would need to produce a bank statement. I am not going to send a bank statement with my personal information to this debt collector because their system is too antiquated to reflect that the payment was made was made SIX WEEKS ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had funds from a XXXX that were rolled over automatically to an IRA account. I was notified over 30 days ago and forgot about this. Today ( XXXX/XXXX/2015 ) I received a letter saying I have 7 days to close the IRA account if I do n't want it. I have option to roll over these funds to an existing IRA with another bank. The issue here is the letter was dated XX/XX/XXXX and the IRA was opened XXXX. Today is the XXXX day and I have zero recourse. I argued with these people over the phone today ( XX/XX/XXXX ) and got no where to resolve this problem. A supervisor is or was supposed to call me back, but that never happened. It 's not my fault the postal service delivered the letter late. Now they 're telling me I have to fill out a bunch of forms to open the account I do n't want in order to access my funds. I want proper recourse that I was intended.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I hadXXXX negative items on all XXXX credit reports. All have been cleared except XXXX from Experian. It was negative in XXXX, XXXX. After contacting them, they goofed and made it a positive item on my report staying on for 10 years ... XXXX XXXX. More letters and calls to them finally they corrected it to negative but still keep in on until XXXX XXXX. According to XXXX Bank it is a negative item and should be deleted in XXXX, XXXX. Nobody at Experian bothers to review this problem. They just send the same response back. Can you help? I have documents to prove this but I am rather illiterate on the computer and do not know how to attach things. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: VA
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-09-11
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently refinanced my loan ( after a lot of hard work ), and discovered that I previously made payments to the loan equal to almost twice the original loan amount. This sounds crazy to me, and I think I may have been taken advantage of by the loan provider. Please note I only finished my degree ( XXXX ) XX/XX/XXXX, and the original loan taken out was for my degree. 

The original student loan was for : {$42000.00} I noticed they gave me an obscenely high interest rate of 11.75 % - unsure if that was even legal in the first place. I simply do n't know, and am concerned I was taken advantage of. 
In their summary I see the following : Payments To Date {$80000.00} Principal {$64000.00} Interest {$16000.00} Late Fees {$0.00} I wanted to know if there is any protection for consumers when a loan provider takes advantage of us. Is there any protection so we do n't spend almost two times the original amount. I would be debt free right now if it was n't for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Platinum Finance Company, LLC
State: FL
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I entered a Debt Management Plan with XXXX for a Payday Loan obtained from XXXX XXXX XXXX. I signed the XXXX documents on XX/XX/2014. XXXX continued to debit from my bank account, so I called them on XXXX XXXX and asked them to stop charging me, since I was already paying on the DMP. I also called XXXX XXXX, and asked that any payments they try to take out be stopped. despite these attempts, they have debited me XXXX more times. I keep calling and being assured it will be taken are of, and it is not. I am paying this back to XXXX companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I found out from XXXX and experian and XXXX that this company had me signed up for services since XX/XX/XXXX-XX/XX/XXXX which is suppose to be owned by Experian they have ruined my life for the last 8 years I ca n't even get a credit card mortgage auto utilities etc I have severe health issues and the emotional damage they have caused me and my XXXX kids is indescribable and we have been hungry poor sick homeless helpless also in dangerous situations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Some time ago I had noticed some inquires on my credit report that I did not recognized. I sent a letter to the different bureaus alerting them that the inquiries were not authorized and that they should be removed. All that was done was that my letter was copy and pasted onto my report under the " Personal Statement ''. It showed up on all 3 bureaus for awhile. I was able to get the issue cleared up and all was fine. Years later now I am trying to apply for new credit cards but am being told because of the personal statement on my credit report they can't open new accounts. I was able to get them removed from XX/XX/XXXX and XX/XX/XXXX but Equifax has lied to me and failed to follow through on their own words. I have sent numerous letter requesting them to remove this personal statement from my credit report. I have received a response from them stating that it has been removed. Months go by and the statement still remains on my Equifax report. The issue has not been fixed and I sent letter after letter to Equifax only to be told the problem has been fixed, when it hasn't. The statement remains on my report and there is nothing I can do. I have called Equifax and been told on the phone that the statement would be removed but still nothing. I need this statement removed from my report. It's prohibiting me from acquiring new credit for no good reason. Equifax needs to remove the statement and stop just sending letter saying they've done something they haven't. They are reporting something on my report that they have said in writing they would no longer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied for a loan secured with my car on XXXX. I borrowed {$5000.00}. I asked if there was a penalty for early payoff & I was told no. I asked the man before signing ... if I cashed the loan check then immediately paid it back would I only owe the {$5000.00} & he said yes. 

Then my first statement cam in the mail & said I owed over {$10000.00}. I was terrified & called One Main Financial. They assured me I did n't owe that. I only owed the $ XXXX I had borrowed. The lady said she never understood why their statements always put all the interest in like that as the balance. She assured me I only owed the {$5000.00} I borrowed. 

One Main 's online information is shady & vague. My account never shows what part of my payment applies to principal vs what applies to interest. My mailed statements are also shady & vague offering no information. It is like they took all the interest that would accrue over the life of the loan ( 5 years ) & they lumped it together in some false balance due. They act like I owe all the interest that would accrue over 5 years but I owe all that interest starting day XXXX. 

I can not follow what is going on. I have asked the One Main corporate office for an amortization schedule to be told only the local branch can provide that. The local branch says they can not provide this info. I have made timely payments for 1 year & I was told on XXXX that my principal balance was {$5100.00}. When I asked the man on the phone ( XXXX XXXX ), how was it possible for a loan principal to ever be more than the amount that was borrowed especially after a year of making payments. XXXX said he was not sure but he thought One Main front loaded all their interest so I was n't actually ever making payments to my principal over the last year. I was dumbfounded. 

Mt principal balance was amended today by One Mail to approx {$4900.00}. Somehow in XXXX payments I have only paid {$19.00} of principal? My loan is only for 5 years & in one year I have paid nothing to principal?? 

An online generated amortization schedule show my principal should be somewhere between $ XXXX {$4600.00}. I feel like my money is being misapplied & One Main Financial thinks their average customer is too XXXX to figure this out on their own so they improperly apply payments & they hide how they apply payments by refusing to provide amortization schedules & by not making standard lender loan information available to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Merchants Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Merchants cb XXXX claims i owe XXXX have disputed many times this debt. I have requested documentation of original debt have never recieved proof of this original debt exept the bill i owe them which doesnt prove this debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 according with the Fair Credit Reporting act XXXX Account name-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.C1681 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 2016-12-07
Company: National Credit Systems,Inc.
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:
XXXX took me to court for late rent, I was on a program called Section 8.My rent was {$1100.00} amount and Section 8 paid {$480.00}. Landlord took me to court for {$610.00} which I had the money order when I went to court but the landlord did not show. After living there over 5 years I explained to the judge that the landlord was sealing the home and did n't give me proper notice to move out.The landlord know I was going to bring that up in court so he did n't show. CASE WAS DISMISSED, so what the landlord do is turn around and put it on my credit report stating I owe {$3500.00}. Landlord is now stating carpet, paint and unpaid rent he now stating was {$360.00}. HE IS NOT TELLING THE TRUTH ALL THE WAY AROUND. If I owe all this way he did n't show up in court and when he filed why he did n't state I owed all this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you.Please block/remove these files. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was from a Workman Comp Injury. This agency keeps putting this on my credit reports damaging my credit. The validation letter they sent CLEARLY states insurancer XXXX XXXX ) Workman Compensation.This has been settled and signed by a judge. Any and all medical debt is the debt of the DEFENDANT. I have attached a copy of the collection and a part of the settlement that clearly states who the debt would belong too.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Lamont, Hanley & Associates, Inc.
State: CA
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:
After recently reviewing my credit report, I found that there is a collection reported by XXXX that has a date opened on XXXX 2010 and no date of last activity is listed. The amount is for {$290.00} and the creditor is Lamont Hanley & Associates. This debt is over 4 years old and the date of last activity could very well be 4 years as well. The statue of limitations in the state of California for reporting debt is 4 years. This company is in violation of that statue. Also, since there is no date of last activity, I do not know if I owe this amount or if the debt is verifiable. Also, I do not know if this company is licensed to collect debt in my state ( California ). I am requesting that this debt be removed from my credit report immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving calls from AMCOL Systems in XXXX South Carolina on my phone. This company leaves no messages and has NEVER sent a letter regarding what they claim is owed. I have no clue what they want and I am not calling them back to inquire as to why they are calling as I have no business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I can not get past automated menus at BMO Harris Bank @ XXXX XXXX XXXX XXXX in XXXX where the fraudulent {$5000.00} usd withdrawal took place On XXXX XXXX Dont know if they could help me, still working to get this fixed. But I know they cant help me if I cant get a human on the phone

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 2017-01-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX The following items do not seem correct company name, account number and collection responsibility. Please review and remove this collection for being incorrect. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from my credit report. 

XXXX XXXX Did you verify this account directly with the court or through XXXX or XXXX XXXX? Or maybe even a third party? I contacted the court directly and asked them what information they verified with you and they told me that they do not verify information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I recently submitted a complaint ( case # XXXX ) which was addressed, however, I would like it pursued further. While I appreciate Cash Central 's timely response, I was absolutely assured that despite the language that my loan " may be reported '', I was told repeatedly that it would not as long as I did n't default which I never have. 

My credit is still taking hit. It wo n't recover until this loan is XXXX out. I am in Cash Central 's vicious cycle of high fees and perpetual debt. They prey on someone 's desperation and then make it impossible to recover financially. While I wholeheartedly appreciate the zero interest Cash Central has agreed to, I would like to further negotiate this due to the outrageous penalizing life altering fees I have already paid. 

I have paid {$11000.00} toward the {$4200.00} that I borrowed. I have paid more than XXXX XXXX times the amount of the loan back to Cash Central. I have more than paid this debt in full. I have paid it in full PLUS exorbitant fees. I plead to CashCentral to fully forgive the remaining balance. If it is not, I am looking at months of additional payments totaling more than {$14000.00} for a {$4200.00} loan when all is said and done. This is preying on an individual 's financial emergency and has me trapped in this cycle. Due to the enormous amount of money CC has already received from me, it would not cause them any financial hardship to forgive my remaining balance and settle my loan for the $ XXXX I have already paid.

Company response to consumer: Closed with explanation