BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: EDvantage LLC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I started an XXXX degree at XXXX XXXX College was advised tuition would be XXXX well XXXX were covered by federal student loans. Then they proceeded with stating i can pay XXXX cash up front or i can take out a personal loan through them. Well i started school in XXXX 2015 got the personal loan ( so they claimed ) through tuition options well little did they explain or let me know this company was an accounting type service for the college and that they would be receiving all payments made to this company. My payments during school was {$200.00} a month. Well 5 months in XXXX XXXX 2015 we as students received an EMAIL from the school 's CEO stating the school would close it 's doors as of that day with no notice or warning at all. I paid them {$1000.00} since i started school out of pocket. I have not completed my education as i was promised when i signed up with the school. This company has failed their contract between the students and them. We do n't know if we can get a loan forgiveness or if our credits will even transfer to other schools. When contacting tuition options they do not have answers for students.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Santander Consumer USA 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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: McCullough Payne & Haan, LLC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Merchants and Professional Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MERCH & PROF C B, XXXX, Tx. has submitted maliciously false information to the XXXX Credit Reporting Agency about my account with XXXX XXXX XXXX of XXXX, Tx.. Stating that I have debts opened in XXXX of XXXX and XXXX of XXXX. I left Texas in XXXX of XXXX, I have not been back. I notified XXXX XXXX of this situation Via Email on XXXX XXXX, XXXX, with no response!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
About two years ago I visit my local US Bank branch in XXXX CA to open an account, while I explained to the banker thatI am here in US few month out of the year, and I only want to open an account that does n't charge me any fee, the banker has assured me that there will be no charges, I was out of the country for a year and had no access to check my bank or statements, they have started charging me dormant fee {$5.00} due to inactivity of the account. Now that I have visited my local branch they have charged {$57.00} fee and they are not returning this money claiming that this money goes to the goverment. I am a senior citizen and on a fixed income. This transaction was illegal and not authorized and they claim that this is a government fee, and not a bank fee, but they fail to provide an address of the government agency that this money went to. I like US. Bank to refund my money. 
This is taking advances of seniors on fixed income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is an update on complaint XXXX against SunTrust mortgage/Truist Bank . We have now received our telephone bill - and despite being given a list of free fone numbers, ( following our annoyance at having clocked up over {$60.00} of telephone call charged ) by Truist bank agents NOT ONE is actually free - as a result we have now been charged a further XXXX = {$170.00} approximately and still have yet to receive the balance of our account which was completely changed without our knowledge nor consent by Truist bank. 
Truist bank is not functioning as a customer friendly unit!! 
XXXX and 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 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This company is reporting a late payment in XXXX and that is incorrect.

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 2017-10-31
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A month ago after checking my credit report I noticed a debt collector named XXXX XXXX listed on my credit report. I called them and they said it was an account from XXXX XXXX XXXX. I told them Ive never had XXXX XXXX XXXX. Yet they said I still owe this balance. I then asked my mom and sister if they opened anything up in my name because they did it before without my permission. My sister finally owned up and said she did, and that she would pay it off. So on XXXX she said she called XXXX XXXX and paid the money that was owed on case number XXXX said she asked them could they delete it off my credit. They said no and that they could only report it as paid in full with a {$0.00} balance. And that they have no way how to get it removed. I dont understand how they can report it to the bureau but they cant get it removed. Especially when the FCRA gives them that right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-08-04
Company: Nelnet, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have numerous accounts on my credit report that do not belong to me XXXX XXXX XXXX   {$3000.00} Department of Education/ Nelnet  {$10000.00} & {$4600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX is reporting a {$7000.00} balance that was paid by insurance pay off as charge-off/ closed / derogatory it should show balance paid sucessfully. 

I have been disputing and giving all info need to prove this debt is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: OH
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:
This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Focus Holding Company
State: MA
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:
Several months ago, I discovered an open account in Collections on my XXXX credit report. This was an account listed by Focus Receivables Management of XXXX, GA, in the amount of {$110.00}. Upon contacting them, they had stated this account no longer resided with them, and I needed to contact the original debt requester, XXXX, in order to settle it. 

After doing so and closing out any and all remaining Collections accounts with XXXX, and additionally confirming that I owe no further debt to them with a representative of theirs over the phone today, I noticed that this is still listed on my credit report. 

I contacted Focus Receivables several months ago to question this, and they stated that it was simply an error and would " fall off '' my report in 30-60 days. It has not, and upon contacting them again today, I was told the first time that the representative would need to " request her manager send a Delete Request to the Credit Bureau, but that she was currently busy and to try back later ''. Upon calling them a second time today, I was subsequently told that everyone in that department was in a meeting, and to again try back later. 

Upon further research I discovered a litany of complaints, poor reviews and suggested illegal activity surrounding this company on multiple sites, and additionally discovered they are not accredited by the XXXX. 

At this time I would like to file a complaint in order to have this erroneous information removed from my credit report, as I have done my due diligence in attempting to clear this up with Focus Receivables on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Changed cell phone service from XXXX to XXXX XXXX XXXX in XXXX. XXXX   did all the cancelling and moved our service with same telephone numbers to XXXX 
I have continued to get bills from XXXX and they now have bill at {$900.00}. I paid my bill every month up until transferring to XXXX. I wrote a letter on XXXX bill a few months ago stating I needed a detailed accounting of bill as I didn't understand why my bill was now, at that time I believe {$800.00}. Now they have turned me into a collection agency. I've written another letter to both XXXX and Sequium Asset Solutions , LLC asking for an accounting of my bill. Today I received notice from XXXX that I've been turned in for non-payment of a debt and my credit has dropped at least 21 points!! 

I'm sick of these people thinking they can bully and bluff but not suffer any consequences. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Robocall from XXXX asking for payment of medical bill for my deceased mother-in-law that has been paid to XXXX XXXX Hospital, XXXX, Fl.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no idea where or who this XXXX XXXX came from because I have never been nor do I know who this XXXX XXXX person is!!!.???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For yrs prior to XXXX before Midland credit management sued me in XXXX, Wi I was a consumer violated by numerous debt collection practices. They called at wrong times numerous times of day, called exes or family members about my orig debt to XXXX XXXX and XXXX XXXX  When they served me court papers they didn't properly attach legal documents with their original complaint proving they bought or owned my debt or prove what the accurate amount of real debt even was. I tried to file an answer and motion to dismiss without prejudice stating my numerous reasons why. The judge didn't bother to hear my valid statements or make this company prove the debt was theirs to collect on or to prove if the amount they tried to collect was even the real amount. I was hit with two cases of judgments even though there are almost every state in the US that has shown numerous Class action suits against this shady debt collector company for all the same type of violations that happened to me. They have affected my credit score and keep changing the amount of debts owed each month on all 3 credit reporting agencies making the amount continue to increase sometimes twice in one month based on my credit karma report. I know this company has hurt thousands if not millions of other consumers for unfair often illegal debt collection practices and unfair lawsuits where they win judgments and we don't have proper judges protecting us consumers properly in court when the consumer has valid statements and requests. I believe the court in XXXX violated my rights not adhering to laws.to force this company to prove their burden of this supposed debts against me and the company Midland also violated numerous rights of mine by now damaging my credit with 2 seperate cases. I know Attorney general XXXX XXXX a few years ago won a XXXX XXXX dollar class action suit against Midland with XXXX other states for their shady practices against consumers and need some help on this. At the very least I am writing in hopes I can get these debts removed entirely off my credit agencies for good due to them not proving they even owned and bought my old accounts from XXXX XXXX or XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I applied for a XXXX XXXX XXXX Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was in a motorcycle accident and could n't work. I could not afford to make payments. XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. McCullough, Payne & Haan, LLC is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: U.S. BANCORP
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
During process of securing a XXXX. construction loan I find out U.S. Bank reported my account 30 days late in XX/XX/XXXX to all the credit bureaus. My due date is the XXXX of each month and my usual minimum payments are around {$120.00}. 
On XX/XX/XXXX I made a payment of {$150.00} On XXXX XXXX another payment of {$160.00} On XX/XX/XXXX made a payment of {$200.00} on XX/XX/XXXX made a payment of {$260.00} and XX/XX/XXXX Payment of {$2500.00} was made. 
All these payments were successful and easily covered my minimum. 
-- -- There were a couple larger payments one on XX/XX/XXXX for {$4400.00} that was returned. This payment was in error as the number " XXXX '' somehow duplicated. I even contacted US.Bank to inform them the payment was meant to be {$480.00}. 
Additionally, on XX/XX/XXXX a payments for {$2500.00} was made twice on the same day due to internet glitches that seemed to have been nation wide. One of the {$2500.00} payments was returned as expected. But again that payment was an extra payment. However, U.S. Bank reported me 30 days late in XX/XX/XXXX to all three credit bureaus. I contacted U.S. Bank on XX/XX/XXXX at XXXX and talked to a representative and a supervisor ( XXXX ), I clearly explained the situation to both However, both the representative and Supervisor ( XXXX ) refused to change or correct the 30 day late reported. 
My history : I have been in business since XX/XX/XXXX have my credit history goes back 25 years and have easily over XXXX different accounts. I have NEVER EVER been 30-days late on a payment with any of my past accounts. I have had XXXX or XXXX reported incorrectly and resolved those. I have a successful XXXX in the range of {$400000.00} and XXXX dollars, and an impeccable reputation. US. Bank 's reckless reporting will cost me hundreds of thousands in higher interest charges. I made every reasonable effort to resolve this but US Bank refused on several attempts.

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