BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-02
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
It 's says that I owe money in the amount of {$1500.00} that i have no knowledge of in 2013. It doesnt even say if it 's a loan or etc. It 's really affected my credit score. I have never taken out a loan or request a loan for that certain amount of money. When I try to get more information on it, it asks me questions about mortgages nd car loans banks loans that I have never applied or received money for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Earnest Inc.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I applied to have my student loan refinanced with " Earnest '' and the company quoted me at a rate of ~5.2 %, but when the loan was approved the rate was increased to 6.86 % with not explanation even though I have an " Excellent '' credit score. And when I asked the representative to investigate why the rate changed she said she would check with the underwriting department and get back to me. That was two weeks ago and now she is ignoring me. This is a classic example of " bait & switch. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: SLM CORPORATION
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My daughter has a small student loan for which she selected to pay the interest as she moves through school. I am the co-signer. She forgot and fell behind 30 days. Sallie Mae called my cell phone on XXXX, XXXX XXXX, 2015, XXXX times, my home phone XXXX times, my daughter 's cell phone XXXX times. All were robo-calls asking to be called back between the hours of XXXX and XXXX Monday to Friday. We had already made the payment the day before, but there was no way to stop these phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Account Control Technology, Inc.
State: FL
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 keep getting a letter stating i owe over XXXX.XXXX to XXXX..I called US XXXX and they sent me a verified email stating i do not owe any loans ... But i keep getting letters in the mail ... The US XXXX ppl told me it sounds like phising

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Sallie Mae called XX/XX/2017 AND left a message three times in one day. I have three separate voicemails all from the same person all within four hours. The school the loan went to was XXXX University XXXX and I am a cosigner on the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account # XXXX with XXXX is showing late XXXX, and XXXX even though I paid them off on XX/XX/XXXX. I spoke to the manager at XXXX XXXX and the problem has not been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Consumer Portfolio Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Consumer Portfolio Services ( XXXX ) XXXX Calls me periodically and asks about if I know where some person I 've never even heard of is and what he 's doing. They are INCESSANT about calling me even after I 've told them I have no idea who that is and that I have no outstanding debt with anyone and I 'm on a do not call registry. I 've even filed a complaint with the XXXX against them in which they lied and said they never contacted me. That stopped them from calling and asking for a while ( about a year ) but recently they have been calling me again asking about this guy I have never even heard of. I block the numbers and they create new ones I guess. Just looking for an apology and assurance that they will stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently checked my credit report with Transunion on the XXXX of this month. I noticed that a few inquiries were removed as well as a account for XXXX. I checked back today and I see that those same items was reinserted back on my report with them notifying me via mail within the five day according to the FCRA. The dates on all these accounts was changed to reflect current dates which is also not legal. XXXX changed there name when they was added back onto my credit file.

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 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
experian credit reportXXXX XXXX status showing XXXXand showing foreclosure proceeding started status should be : included in chapter XXXX bankruptcy XXXX balance ( unrated )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated college and my payments started at $ XXXX month with a 9.25 % interest rate. I have paid on time every month since, except one time when I paid 3 days after my due date due to my finances. I called a week ahead and spoke with a service rep who stated it was not an issue and that I would n't be late because of my grace period. Within 2 days, they called me and my grandparents 8 times in 1 day. I called and asked them why they were harassing me when I was n't even late and had spoken with their rep prior stating I 'd definitely have it paid within the week it was due. They said they call everyone at that rate and when I told them I was starting to have financial trouble because my payment is so high, they offered no help. I then asked about my interest rate because it had gone up to 9.625 % and they offered no help there as well. I told them I really wanted at least my interest rate lowered if both were n't possible so I could really start paying off my loan and they rudely told me I needed to pay more than the minimum due to make that happen. HOW CAN A PERSON OUT OF COLLEGE AFFORD MORE THAN {$800.00}? They are completely greedy and unreasonable. They will not lower my payment or my interest rate based on my income. I have called multiple times as I am going through financial difficulties and do n't want to default on my loans, but they are less than helpful. Im not calling saying I ca n't pay. I genuinely want to keep paying on my loan, but I do n't know how much longer I can afford this payment and I am afraid of defaulting and getting harassing phone calls everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: SLM CORPORATION
State: WA
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:
Due to unforeseen hardship during XXXX semesters of my XXXX career, the federal financial aid and tuition assistance by my employer was not enough. After being declined by my local bank I resorted to taking out a small ( {$6000.00} ) loan from the private lending company, Sallie Mae. I graduated with my XXXX 's XXXX XX/XX/XXXX and 2 months ago ended up losing my job to due lay-offs. 
As soon as I lost my job I contacted Sallie Mae to alert them of the situation and began attempting to negotiate a lower monthly payment amount ( from {$300.00} to {$50.00} until I am able to get back on my feet ) .I have sent Sallie Mae a total of XXXX letters via Certified Mail and in response they began calling me an average of XXXX times per day, every hour, starting as early as XXXX. 
In my XXXX, XXXX, and XXXX letter I explicitly requested that Sallie Mae attempt all further communication via paper letters rather than phone messages however these requests have been ignored and my phone continues to ring off the hook and I am met with at least XXXX harassing messages threatening " something bad will happen '' if I do not call them back. 
I am not avoiding making my student loan payments and even in this financially difficult time I want to maintain an open line of communication with Sallie Mae, however I feel that their collection attempts have crossed over the line into being harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: OR
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:
Equifax has added a 90 days  Fraud Alert i n my credit report stating that was requested by consumer.   I HAVE NOT REQUESTED A FRAUD ALERT TO BE ADDED ON MY REPORT.     Please  REMOVE Fraud Alert i mmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX XXXX and Experian still show it on my creditreport I want it off now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian keep ignoring the information and proof sent by me. Specifically, in reference to a negative report of 90 days past due. I submitted documentation proving that there never was any late payments to the Department of Education. That the account was paid in full. That the account in question was paid on XXXX XXXX, 2015. Therefore, to report this account 90 days late in XXXX, 2015 is inaccurate. I have sent documentation affirming these facts. Their answer have never addressed specifically this issue. I requested as per U.S.C. [ 15 1681i ] The re-investigation procedure. The Department of Education has provided the information affirming my claim that the account was paid in full on XXXX XXXX, 2015. Experian has failed to contradict or provide what documentation justify not removing the negative report of 90 days past due. As consequence my Credit Score has dropped from XXXX to XXXX. With grave financial loss, since all of my insurances cost have increase. Has delayed the purchase of an automobile and the inability to secure low interest loans. Thank you for your consideration on this matter.

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 2015-12-17
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 my requests to investigate 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 2015-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed a XXXX collection on my Experian credit report starting XX/XX/XXXX. Up to now, Experian still has not removed the XXXX account even after I submitted proof of XXXX balance on XXXX of the account. I informed them that XXXX is submitting incorrect information.How can I have XXXX accounts opened at the same time? Also, how can I receive a credit and a check after I moved and closed my account? Experian is refusing to remove this debt collection account based on XXXX unwilling to rectify this incorrect information reported on my credit report. Experian quickly concluded their investigation in a matter of days and did n't provide me with details as to how they concluded the debt is valid. I need to have this debt removed and for the time clock not to be restarted because I am disputing them with CFPB. Account Number starting with XXXX is not my account and states it was open XXXX. While the correct account XXXX was opened XXXX and last status was on XXXX. This is from Experian report number : XXXX/Report Date : XX/XX/XXXX when I requested my free credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent in information about the bankruptcy being removed from my credit report and the inquiry Credit Info to be removed and also sent in a letter stating the bankruptcy office does not report that information and that it needed to be removed. These has not been validated.

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 2017-02-05
Company: FC HoldCo LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Auto Loan fraudulently opened at XXXX XXXX XXXX in XXXX, Fl. for the financing of a XXXX 2011 vehicle with Flagship Credit Acceptance. The finance company ( 7 months ) ( Flagship Credit Acceptance ) did not and does not have the proper documents- title, etc to provide to DMV in order to grant a permanent registration/tag for the vehicle. However they were still taking payments of XXXX per month for 3 months and are reporting the loan as open and late with missed payments on my credit report. Per court order the Department of Motor Vehicles issued the title in my name and the title specifically states 1st lienholder =none. The title is not electronic- it is paper.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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 to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXX XXXX XXXX : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without 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 2015-05-27
Company: First Capital Recovery Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
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:
XXXX XX/XX/2022 unlawfully obtain money, fraudulent use of 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 explanation
Consumer complaint received 2016-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on two payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?

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 2017-02-25
Company: ALLY FINANCIAL INC.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have several accounts at ALLY BANK. Ally Bank does not have a relationship with XXXX, but that program was able to access data from some but not all of my accounts. I reported this data breach to Ally but they were unconcerned, even though they could not explain why XXXX of my several accounts were accessible..

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 2022-04-22
Company: Experian Information Solutions Inc.
State: CA
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:
These accounts do not belong to me and they are severely affecting my credit. They need to be removed.

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 2016-10-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a XXXX XXXX account which is being reported as a Negative account on My Experian report. I called XXXX XXXX and was told the account was closed back in 2012. I can not fathom why it is being reported negative if it 's closed. I went to my bank, to apply for a Personal loan, and was denied because of that account being Negative on my report. Is there anyway, something could be done to have it removed. It has left me in a bad place, not being able to apply and get a loan. 
Thanking you in Advance for any assistance rendered.

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 2016-12-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
So for several months I 've been disputing the inaccuracy within my credit report with Experian. XXXX being a bankruptcy that 's not mine, XXXX being an account that 's not mine, and XXXX. being addresses that do n't belong to me. I 've been staying in the same place since I was XXXX years old so since XX/XX/XXXX. The address that 's appearing on my credit report belongs to a family remember with a similar name as me. Her name is XXXX XXXX and her birthday is I believe XX/XX/XXXX. XXXX is my cousin who moved here from Iowa. After XXXX did their investigation they mentioned that I had a mixed file, however Experian is stating that they wo n't reinvestigate these items unless I provide them with supporting documents, in which I have. Hopefully you guys can take a look at the information on the report and determine that Experian is a horrible company that breaks the FCRA and they should be held accountable. XXXX from the CFPB gave the legal aid number to potentially start litigation against this bureau. I 've included all information that 's wrong. 
1. XXXX XXXX XXXX XXXX, IL XXXX ( Not Mine ) 2.XXXX XXXX XXXX XXXX, IL XXXX ( Cousin 's Address ) 3. Bankruptcy Chapter XXXX -XX/XX/XXXX Filed and XXXX XXXX/XXXX/XXXX ( Not Mine ) 4. XXXX XXXX XXXX XX/XX/XXXX ( Not Mine and should n't be included in the bankruptcy ) There 's no way that the loan could be included in that bankruptcy since it 's alledging acquired after the bankruptcy was discharged. 

Please find I 've included all necessary documents to state my claim. Also I 'm a victim of identity theft as well.

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