BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Applied for loan to attend XXXX XXXX. Had to withdraw because of son 's illness. After showing documentation was assured loan would be forgiven. Has not happened and school has recently gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management is using spoofed calling, trying to contact somebody named XXXX XXXX ( I've told them I'm not her ), calling my mobile number up to 5 times daily including weekends betweeXXXX XXXX XXXX  and midnight, even though I keep explaining that this has been my phone number for over three years! I do not know this person. I am not her, and I pay for this line via XXXX. The man I spoke with tonight gave me their address, so I can report them to this agency : Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX with a phone number of XXXX I just want them to stop interrupting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AD ASTRA RECOVERY SERVIC 12 XXXX XXXX   XXXX XXXX Tried to collect {$640.00} through my XXXX  XXXX XXXX account though they had no access to my account information. I never gave them access to my account. I never did busy with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently reported    XXXX   XXXX   XXXX    to all  XXXX  major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent   XXXX    trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer  XXXX  over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.    XXXX   XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER LENDER LOAN SERVICER OPERATION SEEKING THE  MAX  DAMAGES. I ASK THAT ALL   XXXX   MAJOR CREDIT REPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.

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 2021-04-29
Company: EQUIFAX, INC.
State: WA
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: LA
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:
I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as XXXX XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.

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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I clicked on a link that was advertised as a free online credit report, I requested a credit score report from TransUnion on XX/XX/XXXX. They charged me for {$19.00} without asking my permission prior to my request submission. I was not aware their service is not free of charge. I cancelled my subscription immediately. Now, I want a refund and make sure they cancelled my account and don't keep my records.

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 monetary relief
Consumer complaint received 2015-06-24
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

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 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from 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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a XXXX XXXX XXXX credit card on my credit report. Fraudulent charges were made to the account. The account is older than seven years and I want it removed from my 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 2020-03-10
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My birthday is listed wrong on credit reports. I was born XX/XX/XXXX. Its listed as XXXX. Also I never lived at an address in XXXX XXXX in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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 with the Fair Credit Reporting act XXXX Account XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My husband and I are in the middle of an FHA Short Sale for the property located at XXXX XXXX XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''

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 2015-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I sent XXXX certified letters in reference to XXXX XXXX and XXXX accounts to remove the verbiage that I disagree with dispute. I said I DO NOT DISAGREE, so there is n't anything to resolve!!! Today they were both added back, why???. 
XXXX - " Dispute resolved ; customer disagrees '' XXXX XXXX - " Dispute resolved ; reported by grantor ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting to the XXXX consumer reporting agencies an acct that should be closed because XXXX brought out my contract with XXXX. XXXX was also supposed to have paid the remainder of my bill with XXXX as part of their XXXX promo. I am no longer a XXXX customer so why are they reporting this account as open. I no longer have any XXXX phones. This account should closed and off of my credit reports.

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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I created an account to monitor my credit and was surprised to see a collection from XXXX XXXX reporting. Being the only negative factor on my credit, this has dropped my score significantly. This collection of {$500.00} was paid in good faith by year XXXX with the acknowledgement/intent that the collection would be deleted from reporting to the credit bureaus in exchange for payment. Due to inaccurate, misleading and deceptive collection tactics, this collection needs to be removed from my credit due to erroneous collection practices. 

I contacted XXXX XXXX two times, one in XXXX and another one this year ( XXXX ) to find a deletion letter from them, and both times I have been denied that letter because, according to their policies, they do not issue that type of letters and I do know they do. I consider this situation unfair and harmful to my credit and to myself because this was not the original commitment between XXXX and myself and, other than this unfortunate situation my overall credit history is exemplary.

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 2015-10-28
Company: ERC
State: NC
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 have had repetitive phone calls ( a recorded message ) telling me that this is a debt collector and to call XXXX and give them this # : XXXX. I typically hang up but have grown tired of the calls so I called the number. There were XXXX recorded options : Press XXXX to pay the debt, Press XXXX for a 'settled in full ' letter, Press XXXX for wrong #, Press XXXX to speak to an agent. I pressed XXXX and asked the agent ( with an XXXX accent ) why I was being called as I have NO debt. He said he would check my info and shortly we were cut off. The company says it is XXXX.

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 2021-10-03
Company: EQUIFAX, INC.
State: FL
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:
Consumer paid the account in full and was given a deletion to pay letter from XXXX XXXX XXXX XXXX XXXX. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY! 

Attached below is the letter the consumer received from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Premier Portfolio Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have recieved five calls from a company representing themselves as Premier Portfolio Group asking for my husband. When I stated that was not his number they proceeded to tell me he bounced a check, they have his social, and they are with an attorney who is filing a law suit at the end of the day today ( however they 've said this for several days in a row now ). When I asked them to stop calling and informed them that it was illegal for them to leave these messages they curse at me and then hang up. 

My husband and I have a joint account and there are no outstanding bad checks on that account, so this can not be a legitimate debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I 'm currently in the last stages of getting approved for a mortgage. 
I was approved up until they found that I was late on XXXX payments with AllyFinancial ( XXXX, XXXX and XXXX ) The payment date is on the XXXX, and afterspeaking with customer service they confirmed that I was not late on the XX/XX/XXXXpayment, although it did show that on my credit report. I have been a long time customer through your company for many years and hope that you will take that into consideration. Correcting this situation and hopefully retracting the other XXXX late payments from my credit report will help me immensely and willbe the only way I can improve my credit report and get my dream home. Your anticipated prompt consideration and cooperation with this matter is greatly appreciated. Once again, THANK YOUXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: AES/PHEAA
State: GU
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:
They are quick to send you delinquent notices and reminders about payment due. When you make a payment, they are very slow to post to account. While the payment is sitting there ready to process, they are more concerned to send notices out that they have not received a payment and quick to add interest, without looking that there is a payment ready to post. They are oblivious to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2020 I proceeded to call iq data international inc to see what other arrangements I can make since I did not have enough funds for the payment due on XX/XX/2020. XXXX XXXX Had been the one to pick up my call. I nicely explained I was looking to start payments on a new date since I didnt have the funds available. She began getting rude and raising her voice to me. asking me if I wanted the account to affect my credit and Yelling at me saying why I didnt call if I knew I wasnt having the funds and I tried to get a few words in to explain I made too many arrangements on credit cards I was working on paying back and she was demanding me to pay with the cards and I tried to tell her that I cant Because theyre maxed. She began belittling me even more, bringing up my income and saying I should be able to pay. Not knowing the other bills and creditors Im also trying to pay. With all the emotional distress she was causing me. I did not hang up because I knew the issue of my payment arrangement needed to be solved. I requested a supervisor. the representative after did not acknowledge anything that happened with his coworker and I but at least he tried to get me more time and did not yell or belittle me. 
As my job XXXX XXXX XXXX XXXX having to follow federal rules and regulations, I did not think it was possible to be spoke to and treated the way I was.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Called placed to Transunion in regards to inaccurate information on my credit report Called XXXX XXXX XXXX. Spoke with XXXX XXXX ( that 's the name the Manager gave me ). Stated that my XXXX XXXX account showed a balance of XXXX. I explained to him I sent XXXX letters with acct # XXXX and # XXXX. Mailed to Transunion that account was paid in full and that the company sent information. He stated the information is not going to change and he will leave the information on the credit report. I thought the credit reporting agencies are to provide accurate information opposed to fighting on the phone with you in regards to the information. I sent copies that was received form the company that it was paid a XXXX XXXX updated all three credit bureaus. I am trying to figure out why my information can not be update accurately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief