BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: Fidelity National Information Services, Inc. (FNIS)
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:
ChexSystems Inc. refuses to provide me with any information regarding my ChexSystems file and will not confirm or deny the existence of an investigation even after I disputed records on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Worldwide Processing Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX, 2017 Forward Movement Recovery has contacted me repeatedly about a payday loan collection. I have never had a payday loan. 

They have threatened to contact my employer, garnish my wages, place it on my credit report and even have me arrested for bank fraud. 

I have blocked their phone number but they just get new ones and try again. 

I have requested written verification, they refuse and claim they are not subject to the Fair Debt Collection Act because they are not a collection agency. 

Various phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted The Credit Bureaus numerous times starting  XXXX    XXXX    XXXX  Present advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.

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 2015-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX XXXX, 2015, Experian charged my XXXX XXXX credit card {$59.00} for credit motoring which did not order. They got credit card information from last year when I purchased to view my credit score. I call and disputed the charge on XXXX/XXXX/2015 and they only returned {$29.00} on XXXX/XXXX/2015. 
I would like Experian to returned the full amount. 
Thanks in advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
THIS IS NOT A DUPLICATE ... 

I have been trying to get Experian the information they are saying to be more specific about AND ... They have now locked me out of my account ... So I can not get the account numbers. I want someone from Experian to call me ASAP. How do we let people like this keep ruining peoples life 's? I Have XXXX bankruptcy on my file..Not sure how they do n't know what I 'm talking about?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan was originally serviced by  XXXX   XXXX . I requested several deferments while attending school. I did not realize the impact of these deferments. My original loan balance was {$38000.00}. I have made over 100 payments since   XXXX   totaling over {$36000.00} and now have a balance of {$39000.00}. I have always worked for   XXXX   XXXX   as a s  XXXX   XXXX   and I will soon be  XXXX  in  XXXX . How will I ever be able to pay off these loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan was once in foreclosure and that that it should reflect in the history. However in the current status the loan shows as foreclosure on Experian. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency Experian and they refuse to acknowledge their error in the 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 non-monetary relief
Consumer complaint received 2017-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/2009 a IRS tax lien was applied to my property, and has since been paid.

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 2017-05-15
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated from college in  XXXX  with a starting balance of $  XXXX  -it is n ow  XXXX  and the current balance is   XXXX    XXXX . I have requested the original information on this loan and was not provided with that or payments since  XXXX . I was sent information from  XXXX  on. This information was sent from  XXXX -which is a nightmare to deal with. They tried telling me I needed a reason for asking for the payment information and then sent me someone else 's loan information! From what I can tell with the information I have received the interest rate ranges from 5 %  -5.3  %? I know there was a time I did not pay and was in deferment, but I am guessing no longer than maybe 6 months? I have paid on average {$190.00} a month ( I think even more when I first began payments on the loan ) so according to the figures I receive I will have paid almost double of what the original balance was!   I sent in application for  Public Loan Forgiveness s o now my loans are through myfedloan servicing. According to them I do not qualify for the forgiveness and I have sent them an email asking for some explanation on these numbers and I have not received any response. I would like some help/questions answered as to how this is fair and possible that this loan will not be paid off until  XXXX . It is really mind blowing if this is correct and how student loans are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Continental Finance Company, LLC
State: MS
Product: Credit card
Issue: Other

Complaint:
I was told by general manager that he received a call from a gentleman from a law office and was told I had approx 1-2 hrs to contact him before a garnishment was enforced. I called the gentlemen & was told I would be garnished for {$4400.00} unless I made payment arrangements today for the balance due to a non response to a letter I never received. Because I told him I never got the letter, his client would consider a payment arrangement for {$2000.00} in 6 payments of XXXX monthly. If I default on arrange, the payment reverts back to original amount.

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 2015-08-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was given free credit protection with Experian due to a security breach. It promised that I would be able to see my credit score right on their website. But, I could not get it, so I called. After much wasted time on the phone Experian said that it was not included in my free service, but that I could get it at freecreditreport.com. So, I logged in there and was told " Congratulations, you are eligible for a seven day trial membership {$0.00} credit report. '' But, when I tried to access it, it told me that the cost was {$21.00}. Another very long frustrating call and I was told that it would be available in 2 days. I totally do not believe this and am convinced that Experian is deliberately misleading and deceiving customers. Please do something to make them stop. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently checked my  XXXX  Credit Report  &  found a collection account owned by  Berks Credit &  Collections. It is a medical debt in the amount of {$130.00} that was placed for collection on  XXXX   XXXX . The original Creditor on the account is  XXXX   XXXX   XXXX   XXXX . I disputed the collection account through  XXXX  in  XXXX    XXXX  . The reason for the dispute was because I do not have a contract wit h Berks Credit & Collections, wri tten verbal or otherwise & had no knowledge of the account. Within a week of me initiating the disput e, Berks Credit & Collections may  have Duplicated the same account & added it to my  XXXX  Credit Report as a new account which dropped m y credit score  by  XXXX  points.  I Believe that Berks Credit & Collection  assigned the " new account '' a different account number. The original Creditor on both accounts is  XXXX   XXXX   XXXX   XXXX . Both Accounts show the exact same open date  XXXX   XXXX  & the exact same balance of {$130.00} yet each account has a different account number. I believe that duplicating an account & adding it to my Credit Report as a new collection after 4 years & 8 months violates FDCPA. Furthermore, under new law consumers are required to have  a 180 w aiting period before having medical debt placed on their credit report. The new account which I believe is a duplicate was placed on my credit report in  XXXX    XXXX  . Even though the account is 4 years & 8 months old & I was never notified about the alleged debt before it was recently added as a " new  Collection. '' I & Berks Credi  t &  Collections both reside in the State of Pennsylvania. According t o 42 PA. CS. 5525 ( A ) The Statue  of limitations on written contracts, oral contracts promissory notes and open end accounts including medical debt is 4 yea rs. Berks Credit & Collections  did not pursue any legal action regarding the alleged debt within the 4 year time frame which now makes the alleged debt legally unenforceable ( Especially since I never had any form of contract with them to begin with )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've disputed this information 5 times already with the CRAs and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information

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 2015-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i went to get an auto loan and when they ran my social security number it came back as deceased. i have all called all XXXX credit agencies and no one can seem to give me an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Funding, LLC is attem pting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. And a bill from a purchased debt is not a Contract.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) thi s action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports . Midland Funding, LLC are  in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This amount of {$410.00} appeared on my credit report. I have been trying to get in contact with the company only to be not answered. I have tried to talk with a representative that only hangs up on me when I explain to them this is not my account. They want my social security number but I am not giving them this information. I want the information removes as if is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Nelnet, Inc.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
similar to previous complaint  XXXX  on NELNET.COM - TERRIBLE I continue to get emails asking for sum total of {$1700.00} in emails, i login to Nelnet to double-check the amount due, which is consistent with emails {$1700.00}.     BUT - when the day comes to pay (  XXXX  of month, as stated online and in emails ) ... THEN the amount due changes by several hundred dollars.     i 'm sick and tired of being stressed out about this ; set the monthly payment @ {$1700.00} and stop fluctuating!!!!!   - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX   XXXX ,    2017 Me ssage left on machine looking for another person who was " listed on an application as a reference ''. Caller ID #  XXXX   XXXX , call back number stated  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On  XXXX , I purchased a   XXXX    XXXX   XXXX  with  XXXX  miles on it with a rebuilt title. I disclosed to USAA that it was rebuilt title. The only reason I bought the vehicle was because they also sold me a  XXXX  mile warranty for the vehicle. I would not have bought the vehicle otherwise.   on  XXXX , I brought it to the dealership there was a sensor that needed to be replaced and should have been covered underneath my warranty. I was told it was not,  XXXX  who owned the warranty said they do not cover rebuilt titles and refunded me the cost of my warranty.   USAA stated they would give their phone associate remedial training, but I am now stuck with a vehicle I do not want because I have no warranty on it. I would not have bought the car if I could not get the  XXXX  mile warranty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of this year, I accessed my credit files through one or more of the credit bureaus and discovered a collection under the business trade-line for XXXX XXXX XXXX. This collection was placed by Resurgent Capital Services on " behalf '' of Pinnacle. " Resurgent is the owner of " pinnacle, '' which is easily provable through business records. Following my discovery, I disputed the alleged account with the credit bureau, I filed a complaint with the appropriate Better Business Bureau. I also sent a letter ( priority mail ; delivery confirmation ) directly to Resurgent disputing this alleged account. To date, I have not personally received any form of communication from Resurgent. An " XXXX XXXX '' ( who states it represents the compliance department ) did respond to the complaint with the BBB. That communication was forwarded to me. XXXX has made several false claims ; Beginning with the stated fact that this account had been " properly '' verified. I have never received any form of communication regarding this alleged debt ( written or verbal. ), from Pinnacle or Resurgent. There is the claim, that this company is in compliance with the FCRA and the FDCPA, however, I can prove that there are several violations of both. XXXX, also states that Resurgent " utilizes '' numerous third-party collection agencies, this account has been placed with more than one of these third-party agencies. XXXX has alluded to an internal investigation concerning this alleged debt. Followed by a statement that contradicts an investigation having been conducted. XXXX also falsely accused me of making statements that I did not make. And that is also easily proven. This XXXX has stated that it is MY responsibility to provide this company with proof that I do not owe this debt. This company has made the claim, alleged and/or accused me of owing this alleged debt. It is the responsibility of the company to legally prove that this is a legitimate debt. That I am legally responsible for this alleged debt. XXXX made more than one statement that can be construed as defamatory. Statements, that I consider expressed and implied threats. XXXX, on behalf of Resurgent has infringed on my legal rights. As well as attempting to use intimidation/bully tactics to force me into complying/agreeing with the narrative of Resurgent. I have attempted to get the appropriate information regarding the alleged debt directly from Resurgent. As I have stated, to date, Resurgent ( or XXXX, acting on behalf of Resurgent ) has refused to supply this information. Resurgent/Pinnacle need to be thoroughly investigated by both the Federal Trade Commission and the State of Georgia Attorney General 's office. Though, this XXXX, is only acting on behalf of Resurgent, this person needs to be held accountable for its words and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There is a collection account reporting on my credit reports from a company identifying itself as XXXX XXXX XXXX for an alleged debt of {$720.00}. I have strongly disputed this alleged debt with both XXXX XXXX and the consumer reporting agencies. XXXX has sent me documentation that failed to adequately prove that I have any ownership of or liability for this alleged debt and that dispute is still being handled through other channels. Recently, however, I spoke to the consumer reporting agency Experian who has claimed to have verified this alleged debt. I spoke to a female representative in their " Special Handling '' department and demanded that I be sent the exact details of their supposed investigation as is my right under FCRA Section 611 ( 6 ) and ( 7 ). This agent told me flat-out that Experian had XXXX obligation to provide me with such information even after I quoted her the exact section of the FCRA that proves I have every right to this information AND provided her with court cases that backed up this right. Experian has refused to re-investigate this alleged debt and has also refused to provide me with the information used to verify it. This behavior violates my consumer rights and must be addressed promptly. Since I know that XXXX has so-far failed to properly verify or validate this alleged debt, it is absolutely impossible to believe that Experian has somehow managed to do just that. I demand that this illegally-reporting tradeline be permanently deleted from my consumer report or I will file suit against Experian for their willful violations of my federally-protected consumer rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
CFPB Complaint Experian XX/XX/2016 Reference Credit XXXX Bank XXXX. XXXX Credit Card XXXX XXXX XXXX XXXX Why does this account continue to be reported under furnisher XXXX XXXX Bank and not XXXX XXXX Bank, NA? 
Attached is my Experian Reports Experian report number XXXX dated XX/XX/2016 results of an Experian investigation show XXXX furnishers for the same account XXXX And XXXX Experian report XXXX dated XX/XX/2016 Furnisher reporting for same account XXXX Would n't the correct furnisher for this IIN or BIN number be XXXX? 
Could you please look into this? 
Thank you in advance for your time in 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