BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
i already talked to the collection people and said i would pay when i got a job, now they are having the collectors call my job, friends, family and using threats such as i will go to court, jail time, etc. i have asked to please stop calling my job, family, and friends and only contact me and they have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Meridian Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
They called family members my parents and ex-father-in-law claiming I threatened someone and they needed a statement against me.

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 2020-08-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
pay pale i tried calling. I dont use pay pale at all. 
I see and inquiry that I didn't do and would like it removed thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously submitted a police report and a FTC report for Identity theft. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : 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 explanation
Consumer complaint received 2016-08-23
Company: RFNA, LP
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
As a co-signer on the loan, the primary defaulted ; however, the lending company did not use my driver 's license information ( on file ) to send documents to my address. Instead, in violation of 806 and 805, a sheriff was sent to my place of employment and the summons handed over ( not in an envelope ) to my HR Manager. My personal information was handed over to a third party at my place of employment. I would like to file a complaint since the summons was not sealed and any individual in HR could leaf through the documents and by contacting me at work rather than at home, I consider this a form of harassment. 

It appears as though an administrative error occurred during the paperwork process which showed my address incorrect - the house number and street was correct, but the city and zip code was erroneously typed by the clerical staff at Republic Finance. The proper information ( copied on my driver 's license ) was never provided to the Sheriff 's department to deliver the summons. The sheriff was instructed to deliver to my employer rather than contact me at home. As such, the summons was drawn up on XXXX XXXX but the documents not sent to Sheriff until XXXX XXXX - therefore, I have lost my 30 days to respond. As a co-signer, I recognize that I now am responsible and I am willing to make arrangements, but I need to receive the proper notification and have the time to respond. I would like my 30 days back to address the summons and I would like a formal complaint lodged against both Republic Finance and XXXX XXXX XXXX. 

Finance Company - Republic Finance, XXXX, XXXX XXXX XXXX - XXXX, XXXX, MS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was offered mortgage loan forebearance so did not pay my XXXX and XX/XX/2020 payments, however in XXXX I paid for 3 months and have been current since. 
In fact I have never missed a mortgage payment in the past with any lender. 

I then applied with another mortgage company to refinance my loan to improve my rate and terms and when credit was pulled it showed late payments for XXXX and XXXX. 
This incorrect information has put my refi on hold, cost me appraisal extension fees, etc, and now I may lose my rate lock soon. 

I have made many calls in the last 2 months to XXXX bank and while they agreed those payments should not have been shown as late, they have not updated their information so the credit scores are still depressed. 

They make lots of excuses and this is costing me time and money now for their admitted mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My father co-signed for my private student loan fro m the College Fo  undation o  f NC. In 2011, h e filed for bankruptcy. At that  time, CFNC apparently sold off my loan to some guarantee agent, but I received no communication from them about this. They claim to have mailed me a single, paper letter in the mail, but they mailed it to my parent 's house, and I never received it because I was living at school. They had my email address and  phone number, and I had previously received communication from them via email, but I had never had any contact with them through the mail. I never got their letter and was left completely clueless as to the status of my loan. When I logged into my online account, it showed a {$0.00} balance as well as a credit for the principle balance, so I assumed that it was being handled through my parents ' bankruptcy. They al so reported my loan as closed to the credit bureaus, and nothing from the guarantee agent ever hit my credit report ( I also never received any communication from them ). Apparently, it spent the entire 5 years my parents were in bankruptcy garnering interest, which they have now added to the princip al balance of the loan. I had no way of making any payments on the loan, having never received any contact information for the guarntee agent, and there was no contact information on their website or any other indication that the loan was still active. Had I been provided with a means of paying down the loan, I would have done so and would not have allowed it to sit for 5 years gathering interest. I have tried contacting them numerous times about this over the last few weeks, but they claim that since I missed their " letter '', they are absolved of any further responsibility to me. I am not even sure this letter even exists and, they were unable to provide any proof of mailing. I have also requested a statement detailing how they have calculated the interest due on the loan for the last 5 years, and they have not provided that either.

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 2016-07-11
Company: BB&T CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX I got an auto loan from Susquehanna bank. After making several payments, Susquehanna sent an incentive to " skip a payment " for the holidays. I paid the {$30.00} fee ( interest payment ) and was everything was fine, my next payment was due the following month. I continued making my payments. Fast forward to XXXX, when BB & T buys Susquehanna. I begin receiving letters that I 'm behind on my car payment. Then my credit is hit 3 times in a 90 day period, saying I 'm delinquent 90 days. The local branch shows all my payments are current but corporate is showing different. Because of the buyout, I can no longer access prior bank statements, only corporate can. I was told by local branch it was a bank error and they would be in contact to fix everything. After a few days with no phone call, I called the collection dept that keeps sending letters. I was told because BB & T does n't do skip a payments, they do n't honor them, even though Susquehanna offered these. So I was told they will continue to hit my credit and send letters til it is brought " current ". How is this legal? This was an incentive offered by the bank BB & T bought. At this point, it 's looking like I 'm going to have to get a lawyer involved.

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 2016-06-16
Company: Home Loan Center, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I signed up with LendingTree.com as I wanted to learn more about mortgage rates and do some online comparison shopping. I did not realize that LendingTree would send my phone number and email to at least a dozen lenders. For the last 3 days I have been inundated with multiple phone calls and emails. Several vendors have been calling nonstop. At least one vendor checked my credit without my permission. LendingTree 's website does not appear to have any way to close my account and cancel the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Home Loan Center, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My issue is lending tree was who handle all my home buying and assist for all kinds of situation about rates or low price and affordable for monthly payment procedure. And I need to moving process to start and guide me a soon as possible actually I got a call early and asking me about home, it 's a lender mortgage but a want lending tree will participate for conversation to negotiate in my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I feel that My wife and I were discriminated against during our application process for a mortgage. Additionally, the reasons stated for our application refusal were inaccurate and fraudulent. Our emails and phone calls went unanswered during the application process - we were basically treated disrespectfully throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking on my XXXX XXXX report and saw two collections account from the same company LVNV FUNDING LLC for 12 XXXX XXXX XXXX XXXX for the amount of {$710.00} and {$610.00} on XX/XX/XXXX XXXX I would like these charges to be deleted off my report because I am unfamiliar with these companies thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is still not updating with agency ( XXXX ) also Ive proved it was fraud and they did an investigation in which it was removed from XXXX, XXXX XXXX, but not with XXXX Also reporting derogatory on my report, as are all the others and this was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After entering all my correct identifying information ( DOB, SS #, address, Experian PIN, etc. ), the Experian unfreeze credit files web-page refused to unfreeze my credit files. 
I tried calling XXXX different Experian customer service phone numbers, entered all the same information, and got the same refusal.

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 2020-08-11
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company offers both payday loans and installment loans. I took out a payday loan in order to be able to pay off my installment loan and renew it. I paid off the loan early but when I tried to initiate it again, it was denied. The stated reason was that my income was insufficient. This seems dubious for several reasons : 1. My income is the same as it was the last times I renewed the loan. 2. The loan amount is also the same, and is only {$400.00}. 3. I have the highest status in their internal reliability rating statement and a history of 100 % complete and on-time payments. 

The company will not allow me to apply again for 30 days, by which point the loan will not help me. In the past, they unilaterally changed the rules of their system and took away the most exclusive loans that offered friendlier rates and mandatory credit bureau reporting ( to build good credit ). This was frustrating as I was working toward the status level that would allow me to do this and had nearly attained it when they took it away. Their rates are excessively, punitively high- just like your local check-cashing place. I had continued to use them because they allowed me to choose for the {$400.00} installment loan to appear on my credit report. Now that they have denied it without giving me a legitimate reason, I will never use them again. In the long run, I will be better off because I will no longer be paying Lendup their abusive interest rates, but in the short term it has been painful. I used all of the money in my checking account to make the last payment early, so when they then did not allow me to renew the loan I found myself facing late bills and overdraft fees. I would caution anyone against using this companys services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I Cant lift security freez in my account by either calling and online! I spent days calling. I need it resolved as soon as possible and I am doing refinancing and need lock my rate but I could not get a hold of one single person and the whole process is so frustrating.

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 2015-10-20
Company: First Data Corporation
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Still being ripped off by Money Network double charging for ATM Fees, on XXXX/XXXX/2015I was charged {$2.00} by the ATM and Money Network charged also an extra {$2.00} totaling {$4.00} for XXXX transaction. I tried purchasing to beers totaling {$2.00} and was declined. I intially requested, before receiving a new debit card to close my account and send a check in the amount of balance which was {$25.00} and to close my account! They said they could n't and XXXX XXXX XXXX states the bank must, so that 's plain to see that theres a run-around scam oney racket in banking still ago! Please request to them to send me the {$2.00} that is to be left in my accunt and then close it? Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: Dyck-O'Neal, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The Law Office of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX FL Bar XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the Dyck-O'Neal have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is DYCK-O'NEAL INC. Please investigate both of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: The CBE Group, Inc.
State: VA
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:
Dear CFPB, I was a victim of identity theft in XXXX. The identity theft originated out of XXXX. I was born in WV and have been a resident of XXXX since XX/XX/XXXX. 

I filed a police report and identity theft affidavit to report the crime and disputed items on my credit report ( s ) with all three major credit reporting agencies. 

XXXX of the fraudulent accounts was opened with XXXX XXXX XXXX XXXX. Another was opened with XXXX XXXX. I have never had accounts with either of these companies. I disputed XXXX these accounts ; however, neither of these companies acknowledged my dispute and XXXX subsequently turned the accounts over to a collection agent. 

The collection agents, XXXX XXXX XXXX and CBE Group refused to acknowledge the dispute and have continued their efforts to collect these accounts from me. XXXX these collection accounts appear on my credit report and XXXX are hindering me from obtaining a mortgage to buy a home for me and my family. 

I wish to file a formal complaint against XXXX The CBE Group and XXXX for unfair credit reporting practices and I request that these accounts be removed from my credit report. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. 
Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

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