BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello, I have tried to dispute this debt numerous times with the creditor XXXX XXXX now it 's been sold to AFNI {$120.00}. I do n't know what this charge is for I was told it was equipment but when I call XXXX to find out about it they have no record of it under my name or ssn to tell me anything and I 'm not paying on something I do n't know what it is or that it 's even my debt. Furthermore, I think I had XXXX at the time and if I did all the equipment and services were paid in full I want this to stop getting reported to my credit once and for all if the creditor ca n't supply any information of what it is and I ca n't call them to dispute this than as far as I 'm concerned it 's not mine and it does not need to keep showing up on my credit report. I dispute with all three credit bureaus it gets removed and then next thing I know it gets added a month or XXXX later again and I just want it wrote off as bad debt and not against my credit. I 'm trying to buy a house and that is XXXX reason I want this removed but I also want it removed because if I ca n't get anything and century link ca n't find me with my ssn whether it was charged off or not they should have something I was never sent a final bill for the service I did have so I do n't feel this is mine anyway and each time they pull my credit for my home loan this pulls up and is affecting me so please just remove this once and for all I can just pay it too it 's {$120.00} but that 's not the point it 's the principle that theirs no information on this and I 'm sick of creditors doing this to people and my mortgage broker told me that he has seen this happen to several of his clients too with XXXX and they have ended up paying it but I 'm not going to I want to fight for all the people XXXX is taking advantage of and hope a class action law suit gets started against them for not sending out bills for these supposed debts. If anything is found I want it sent to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2017-02-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company Experian is reporting incorrect information on my credit report - 1. The only address that I 've had for the past 22 years - is XXXX XXXX XXXX XXXX XXXX, FL XXXX. All others, are invalid and need to be removed immediately. 

2. I have not applied for any credit in 8 years - I 've been XXXX, so all credit inquiries that fall within that time frame need to be removed. I have NOT authorized any credit inquiries since 2010. 
3. Also you are reporting my employer as XXXX - That 's incorrect, I 'm XXXX military - Remove immediately and I do n't want my employer or occupation listed. 

I have been XXXX in XXXX for the past 8 years. I need this information CORRECTED and removed immediately. This has been illegally reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
NetCredit is a company that take advantage of people ... they approve your loan on line then hit you with 98 % interest ... all od course in small print..then charge you 2x a month. I took a loan out for {$6000.00} ... once I found out the loan was to be taken out of my checking account 2x a month ( XXXX ) I called and asked them to adjust to 1x a month ... they said they could n't do ... this was the biggest mistake I have ever made to take a loan out out with them ... I was unable to pay and got in touch to work something out ... they sent gave me minimal options and then sent a letter saying that I can pay off the balance which now is {$7800.00} ... of {$190.00} 2x 's a month???? I had been paying the monthly for a year at least??? and now I owe XXXX more??? This is a company that the goverment should look into ... they are sharks!!!! 
I would recommend that people stay away from this company!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: ALLY FINANCIAL INC.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, I returned a vehicle I had been leasing since XXXX and purchased a XXXX Pontiac G8GT. From XXXX XXXX - XXXX XXXX I made my monthly payments of {$500.00}. I believe there was XXXX instance that my payment was late but stilling paying within that month. When I purchased the vehicle, I elected to buy a new car warranty as well as Gap insurance. In XXXX XXXX my vehicle was parked outside my home and was rear ended by a XXXX high school girl distracted at the wheel. My vehicle sustained over {$17000.00} in damage and was deemed a total loss. At the time of the accident I carried full coverage insurance through XXXX and also carried Gap insurance coverage. My insurance company paid over {$21000.00} towards the vehicle because the girl at fault was uninsured. The remaining balance of approximately {$850.00} should have been covered by the Gap insurance I paid for monthly. After all deductions made and refunds calculated Ally sent me a statement advising me that I owed the above balance. How is that possible? The entire reason I purchased Gap insurance was to cover additional costs not covered by my personal insurance company. I disputed this with Ally for several months. Ultimately, fighting a losing battle I paid Ally The REMAINING balance they claimed I owed. At which point, ALLY proceeded to report my account as a charge off. Which negatively affected my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian XXXX Account Number ( XXXX ), Name ( Collection Account ), Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ) -- -- -This account is due for removal XXXX. Now when it got close for it to be removed it changed to a later date. It 's been negatively reporting on my credit for 7 years already. Please remove ASAP. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian continues to report XXXX inaccurate late pay of my student loan account on my credit file. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. XXXX of the XXXX states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at XXXX another and I need this to be deleted immediately or i will be forced to take Experian to small claims court for unspecified damages because they are inaccurately reporting on my credit report. They are also reporting incorrect personal information about me on my report. I have told them that is not me and that is not my information and they refuse to update my personal information which again is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent Experian proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Experian is avoiding my request by keep sending me a letter staying they were unable to honor my request because I did not provide sufficient identification information for them to verify my identity. This is what Experian keeps sending me every time I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
Please read the attract proof of claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The compliant number is XXXX that I have not had a responce on. 
This is not a duplicate, I 'm asking for TransUnion to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as they mite seem to think I 'm asking. They have not respond to the first complaint submitted yet. I 'm sending this so I can spell it out as clearly as I can. I want late payments removed from account..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a nanny and chose to take out taxes from her check. As the result of an error. Duplicate tax/employer numbers were created. When the problem was recognized, they released the lien in 2006. This is still showing up as a series derogatory item on my tax report and has impacted my credit score which has impacted the type of mortgage I recently go, and have to pay PMI. Since 2006 I have purchased several homes, so obviously, there is no lien. I have reported to Experian and never heard back. I have attached the lien.

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 2017-02-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian uses deceptive and misleading practices to automatically enrolling customers into a monthly dues-paying program referred to as Experian CreditWorks. I recently requested my free yearly credit report from Experian.com and was advised to enter my credit card number. I was skeptical but when the website explained that the credit case would only be charge {$1.00} so that Experian could more easily verify my identification. I was shocked when two weeks later I was charged {$21.00} by Experian. I went back to Experian to see what this was about and was told that by requesting my free credit report I was automatically enrolled in the Experian CreditWorks program which costs {$21.00} per month. I was advised that because I did not proactively request to cancel my membership I was responsible for paying my membership dues. I feel mislead and deceived by Experian. It seems that the practice of automatically enrolling customers in the CreditWorks is designed to make extra money by charging customers for the first month before they realize they 're enrolled in a program that automatically deducts monthly dues. This is a dishonest and deceitful practice. Experian will claim that their website clearly states the policy, which, in a way is true. However, the practice is so transparently deceitful that it warrants a look from the CFPB.

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 2015-04-15
Company: Paypal Holdings, Inc
State: VA
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX XXXX 2015, Paypal Credit conducted, without my authorization, a hard credit check on my credit card account and reported this check to XXXX XXXX on XXXX XXXX 2015. I did not verbally or in writing do a PayPal Credit application. I did not contact Paypal Credit for a new card. I did not contact Paypal Credit for a new credit limit or a different interest rate for my existing PayPal credit card account. I tried, unsuccessfully, to resolve this with PayPal Credit by phone on XXXX XXXX. I have sent PayPal Credit a letter demanding that they provide me with proof of my authorization to conduct a hard credit check on my account -- which is good standing. It is my understanding that if I did nothing to merit such a credit check that PayPal Credit must legally take action to have this report removed from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19
Company: BEXIL AMERICAN MORTGAGE INC.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Castle Mortgage claimed we didnt pay our first payment for our loan.This simply did not happen we have documentation that we payed not just on time but early. Since then Castle Mortgage has sold our loan to XXXX. We want to refinance and this is hurting our credit score.

Company response to consumer: Closed
Consumer complaint received 2015-11-04
Company: Gatestone & Co. International Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14
Company: Brown and Joseph, Ltd
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Our company, XXXX XXXX , XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, Brown & Joseph, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX ( an advertising company based out of Utah ). On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of Brown & Joseph demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX , XXXX, stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Kentucky Higher Education Assistance Authority
State: KY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Both parties have agreed on a {$100.00} a month payment agreement. Every 4-6 months I will receive calls at least twice a day lasting up to 2 weeks on my cell phone and at my places of employment saying they do not have a payment. I also receive letters stating I have failed to follow the payment agreements. I have spoken with XXXX and XXXX who are managers, informing them that payments were made and I do not owe, they will look it up and say I am correct. On XXXX/XXXX/2016 I received XXXX phone calls from XXXX XXXX on both my cell phone and at my place of employment by XXXX stating it was urgent and for me to call KHESLC. I called back to KHESLC and spoke with XXXX, I told her that I was current with my payments and that I informed XXXX back in XXXX to not call my places of employment. XXXX stated that I should NOT have received a phone call, that I was up to date on my payments, and that my due date was n't until XXXX/XXXX/2016, she said she would investigate the call and would take care of it. On XXXX/XXXX/2016 I received a letter from KHESLC stating that I had failed to follow the agreements of the payment plan. On XXXX/XXXX/2016 I received a phone call to my cell phone at XXXX from XXXX stating it was urgent for me to contact KHESLC. I called XXXX telling her that I received another phone call and a letter, and that a payment was made on XXXX/XXXX/16 and again that I 'm current on my payments and that what is being done is harassment. XXXX agreed and said she would look into it and call back. She called me back saying she spoke with XXXX XXXX and they both agreed that I should not be receiving phone calls or letters because I am current. XXXX said to call her back if I receive another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: PNC Bank N.A.
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I paid a company named XXXX {$5000.00} on my PNC card for services i did not receive.i was repeatedly promised that they would provide me with a website which would be profitable.i trusted them only to be left empty handed.my payments and signatures were obtained under false pretenses.they were using deceptive marketing practices which are unlawful and warrant a full refund. I previously filed this complaint and with the CFPB and was just informed that they could n't find the company. There must have been a mistake because you were able to find PNC last time I filed a complaint with you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation