BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX had done a recall on their treads. I had purchased mine and financed through Affirn which was paid off in full and early ( XX/XX/2020 ). My bank account details have not changed but since the account was paid off more than 180 days ago they refuse to send my refund through ACH deposit and will only issue a check which can take 21 business days. I am moving out of state and shared both my current and future address with several people at Affirm. My address wasnt updated and I am afraid my refund check will be lost in the mail and its almost {$5000.00}. I asked them to refund through ACH deposit and they wont. No one can give me a straight answer at Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call at XXXX XXXX  ( XX/XX/18 ) from XXXX XXXX XXXX XXXX. When I called back I was informed that this was a debt collection agency. After speaking with the agent over the phone I was informed i needed to verify who I was so that she would be allowed to speak to me. I reluctantly told her my information to then be told that I don't have a debt. 

My information included - name, address, last 4 of social, birthday ( month, day, year ) -- - at that point she said she was now allowed to tell me what the debt was because it was now verified. 

my concern is that I provided personal information and then was told there was no actual debt in place. 

I called back to the main line ( XXXX ) and they said that had no record of me in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2019-10-18
Company: EQUIFAX, INC.
State: MS
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:
Equifax is reporting incorrectly a collection/charge-off of {$1200.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. This inaccurate reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A {$27.00} debit card transaction to XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EDT has caused a {$34.00} insufficient funds fee yet before making that purchase I had {$20.00} available in the account and I transferred over {$5.00} from another account via XXXX which caused me to be {$1.00} and a few cents overdrafted which is well under the {$5.00} limit according to Chase 's overdraft fee regulations

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

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 2022-08-15
Company: Tri-State Adjustments, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I 'm getting no where with these people.. they are AWFUL. I have tried NUMEROUS times to qualify for the income base repayment plan.. Every single time they have lost my paperwork, sent me the wrong paperwork, they placed my loans back in default.. they have accused me of being at fault for all of this.. IT IS FEDLOAN! STUDENT LOAN. GOV!! I ca n't even get into either of these accounts anymore! They have screwed up my password!! I am so lost right now i have no idea of what to do.. they want thier money back then they need to fix their XXXX XXXX system! This whole entire situation has been a NIGHTMARE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Account status incorrect

Complaint:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

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 2020-10-07
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had a   XXXX   account where I bought and sold items, paypal was my creditor in which money was debited and credited with ALL transactions made. ebay closed my account with no explanation and being closed, paypal withdraw all funds in my account of approx.  XXXX . Both  XXXX  and paypal started contacting customers I had without my knowledge and issuing them refunds for items already bought and paid for for over 6 months.

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 2017-08-31
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management has been harassing my son ( who is in college ) and myself for the past 3 months by calling us with various telephone numbers. They contacted my son again on yesterday, while he was in class, stating that it is an absolute emergency and urgency that I be reached because I could be in danger. They never acknowledged what the problem was about. Seemed like the perfect scam to solicit funds by fast talking and creating fear of a relative. 

Yesterday, my son called and gave me one of the numbers. They were trying to solicit my personal debit/card information and were n't professional at all. They had foreign accents and had practiced exactly what to say for any occasion. Once, I made it plain that they would n't ever receive my personal information they wanted to know why? They said the following : ( 1 ) We need your personal debit card or credit card information for a debit. 
( 2 ) Why wo n't you give us your information? This is n't a scam. It really is n't. 
( 3 ) We have been contacting your son ( 4 ) We just need to keep you on the phone a little longer because we want to talk to you. 
( 5 ) I 've sent you two emails and it shows that you 've received them both. Have you gotten them yet? Stay on the line until you have received them. 

I never received the emails and I hung up! They have called again today and I have blocked the number. I am really wondering if this company was sold my personal information from another company? How would they be able to receive my personal cell phone numbers of my family members? I want the calls to stop because I feel that my personal life has been violated and anything that you can do to help will be greatly appreciated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PLS NOTE I PAID OFF ONE OF TWO STUDENT LOANS IN FULL XX/XX/2014 THE SERVICE PROVIDER WILL NOT MARK THE LOAN PAID IN FULL AND IN CORRECTLY NOTES BALANCE OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: ZARVAD III S.A.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took out a payday loan for {$480.00}. I paid {$300.00} back right away and my hours got cut. They said I owed {$620.00} still ( after a week ). I revoked my ACH and have not paid anything since. They told me they will report me to XXXX for my returned check. I never sent a check.They told me they would send me to collections and charge me 35 % more than what I owe. I don't even have a copy of my signed loan contract. Just a contract with my name and no signature. I have requested one and haven't ' received one. They have not even tried to work out a EPP which is also a WI law. Of all the things below they haven't done any of them, they are violating law. See below ... .... 

State Guide to Payday Loan the document contains information on payday loans. It is prepared by the state of Wisconsin to inform buyers about the nature of the loans. 
Repayment plan offers the lenders are required to present repayment plan offer to the borrower in case of a default of the loan amount. The state of Wisconsin allows repayment of the loan amount in 4-equal installments with no additional costs. The limit for one payment plan offer is 12 months. 
Keep in mind that the state of Wisconsin has put a collection fee limit of {$15.00} per check. The state rules dont allow the lenders to take criminal action against the persons that default on the loan. If you have any complaint against a payday loan lender, you can contact the Wisconsin Department of Financial Institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
15 U.S.C 1681 Section A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.

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 2019-10-18
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX We switched our smart phone service from XXXX to XXXX XXXX We had two XXXX XXXX phones and one reader board. For some reason, the reader board, which was subsequently not used, was not able to be switched at that time. We did not realize XXXX would keep charging us for it. 
XXXX sent a bill in late XXXX for {$84.00}. I sent check # XXXX dated XX/XX/XXXX for that amount and that check cleared my bank on XX/XX/XXXX. I sent notification with the check that we were no longer using XXXX for our service. 
XX/XX/XXXX XXXX continued to bill us, and I phoned them. My notes show I talked to XXXX, who assured me there would be no more charges, and that our account was closed with the CLOSING CODE XXXX. 
However, XXXX kept sending emails that we owed them. Please see the copies of billing documents emails and subsequent debt collection notices and our replies thereto.

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 2022-08-15
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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had issues with Navient over the years and issues with my loans. One of the biggest issues I have had is repeatedly getting misinformation from the loan servicer. In one of the most recent conversations I have had with Navient, I kept asking which bank or loan provider gave me my loan. Navient will tell me that they do n't know and to call the Department of Education. When I call the Department of Education, they keep saying Navient. When I would call Navient back, they would say, " No we are the service provider '' which I have known. After this I would say, " O.K., Since you are the service provider, who are my loans through '' and they never seem to know half the time. At the time of the origination of the loan, the information has not always been on Navient 's site or the NSLDS right away. The school does not tell me either. I feel that this is being done intentionally to keep me in the dark so they can re-sell the loan and add fees. I believe that this is a type of " churning '' of my loans. In other industries, this is illegal. I also feel that there is " detrimental reliance. '' I am given so much misinformation about my loans, it is affecting my interest rates, credit reporting, etc. I am being charged thousands of dollars over what I should be due to bad and misinformation by my service provider Navient. If you pulled up my taped conversations with Navient, you would find this out ( they tape their phone calls ) Another complaint that I have is that I feel that Navient is purposely giving misinformation to collect more fees. One girl kept telling me that on my private loan, I could pay XXXX to " get out of paying '' the loan for three months ( I was having major medical issues at the time. ) What I was not told at the time was that they turn this into Capitalizing Interest which costs about XXXX over the course of the loan or maybe even more. 
The financial aspect of Navient is very interesting. I feel that they are not disclosing the complete terms and conditions. There have been different occasions where I have told the phone agent not to do something and they will do it anyway and I have to call back and insist on speaking with a supervisor. This goes on and on. I have had so many problems with my student loans is it not even funny. 
I feel that I will be robbed of my future due to all of the issues with my student loans. I feel that there should have been more information about the loans and complete information so I could be better informed and make better decisions. There is so much pressure from the colleges to take the loans out and " complete '' you degree. I am very frustrated by this and feel that my education is costing me my future and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery Associates sued me in XXXX of XXXX for a time barred debt on behalf of XXXX XXXX. I contacted the company. They wanted the entire amount which was around {$3500.00}. They claimed that I made a payment on it back in XXXX XXXX. I went to court and took my bank statements showing that I never made a payment. I even had a statement showing when the last payment was made. The debt was already time barred as it had been XXXX XXXX years since the last payment. The judge ruled in my favor and threw out their claim. I am now receiving phone calls from the same company, but this time out of XXXX instead of XXXX XXXX where it originally started.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a loan with the local "  TOWER LOAN  '' Company and the loan has been paid off and I was told they only report to the credit bureaus every 3 months. This is an unreasonable time to wait to see your  credit score  reflect the removal of the debt. I believe it is intentional to keep consumers in a position where they can not get lower interest loans and will have to keep coming back to them when they need money. I called both the local office and their controlling office in Mississippi for help and got none. As a matter of fact when I ask to have the name of the person in charge of the corporate office I was flat out to ld NO..

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