BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX internet has a scam whereby they ask you a bogus security question when you attempt to stop there service. When you can not answer there bogus question they refuse to discontinue there service as request. 
I have spent hours trying to reason with them in at least XXXX  phone calls. I have tried to stop there service by driving XXXX miles round trip to there store. 
This is a scam plain and simple. I am now being harassed by a collection company by the name of Radius Global Solutions LLC, XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX I have explained the scam to them and told them not to call me any more but they continue to harass me. 
Thank you 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 2022-03-16
Company: Alliant Capital Management LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was speaking to two individuals, I tried ti make arrangements, but when it came to the end- he asked me to provide my bank account information to secure payment. I was uncomfortable doing so and he stated that my debit card is the same thing. To me it is not the same if I call and give my debit card information versus my bank account number - and I didnt have the contract with them so regardless if I have my account to the original place I took the loan with, I do not need to provide that to the collection company. I asked if I could call back after work, three times, and all he did was threaten to escalate my case as refusal to pay when I wasnt refusing, I just needed time to figure out how I could do so, which would have been after I was out of work. He said well when you call back, your payment will be due in full. Which I think is unfair- I also asked them not to call my job as I cant receive calls- they still called the main line to my entire company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
My student loan debt is being illegally re-aged by the company that bought the debt, XXXX XXXX XXXX. They bought the debt in XXXX and are illegally re- aging the DOFD. My consumer disclosure file under FCRA 609 ( a ) ( 1 ) is pending but I was last able to pay my loans in 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 2016-10-31
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am from XXXX XXXX, someone in XXXX was using my identity, he used my social security to acquire a cable service with XXXX under my name. I reported this to Equifax several times, recently this person was arrested, I submitted again a dispute and supporting documentation like police report and FTC documents, also the information of the officer who arrested the person who stole my identity, but Equifax refuse to delete that inquire. XXXX was aware of this since XX/XX/2015 but I recently reach them again to help me resolve the issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a Chase customer since XXXX with no issues, on XX/XX/XXXX Chase closed down my account with no prior notice. 
After contacting them several times they still didn't provide me with a reason for closing the account. 
Additionally, I have funds they are not releasing, to be specific a {$6000.00} check that i deposited. They will only release it after I get the signer of the check to come down to a chase branch which is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: High Point Asset Inc
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collections company contacted me today stating I owed XXXX different payday loan companies I have never heard of. They were able to verify my old email address at the time as well as my bank. I know I do n't owe because I just recently checked my credit report and none of these companies have ever been listed at any point in time, nor are there any matching amounts. This company can seriously SCAM innocent people out of their money. I know my consumer rights and this is out right wrong of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: General Motors Financial Company, Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This company gave me an extremely high interest rate. Then after a two years of never missing a payment I received an email from the dealership stating since I made all my payments on time they would try to get my payments lowered. When I contacted the finance company to discuss this matter they stated they were unwilling to get the payments lowered for me and to contact someone else to get it refinanced. Now the payoff is so high based on the interest rate that I ca n't afford to trade it or sell it without taking a major loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: General Motors Financial Company, Inc.
State: ID
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My husband and I bought a XXXX through gm financial ( Americredit financial services ) in XXXX XXXX. We had been able to make the payments on time up until I was forced into early XXXX in XXXX. We missed XXXX and XXXX payment. We had looked into deferment and we were shocked to find that they were going to charge up almost XXXX dollars to catch our loan up. They have not been willing to help any other way. Rather than trying to help us get our loan current, they are calling us a total of up to 10 times a day between the two of us. They are making it almost impossible to catch up our payments and I am almost afraid to carry my phone on me because they are always calling me. I would strongly advise that their collection policies and deferment policies be investigated. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my Truist loan in full on XX/XX/XXXX, the electronic lien has not been released no one can rectify the problem. It has been over 2 weeks, the car is already sold and I need the title b/c the car is being shipped overseas and Truist has not gotten me the lien or pay off letter. I have tried repeatedly to contact them with hold times exceeding 2 hours. Again, they have not even released the lien with the State of Pennsylvania and I am unable to rectify the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Santander Consumer USA Holdings Inc.
State: SC
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 am the victim of identity theft. The FBI and the police have cleared me from what the fraudster that stole my social security number and date of birth did with those identifiers. The fraudster, XXXX XXXX, was arrested and he used my identifiers when arrested. He was given a bond with him using my info, as they thought i might be using an alias. The fraudster never showed up in the future, so the authorities chased the identifiers. I claimed i never did any of the acts the fraudster committed. The police said they hear it all the time. I demanded the police check my fingerprints. When they compared them my prints did NOT match the fraudters. I was released. The FBI said in court that anyone can claim a different name, change addresses, states, hair color and styles, but no one can change fingerprints. I was not the fraudster. Santander ignored all the facts and denied my id theft claim. Harmful and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was sent a notice on XXXX XXXX, XXXX by Fedloan Servicing advising me to send my recertification paperwork ( income and tax information ) by XXXX XXXX, XXXX for my upcoming payment plan for the next year. I sent the required information on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX I called Fedloan Servicing and asked when it would be processed. I was told that the application would not be processed until after my XXXX payment was sent out. 

I was told that their policy was not to process the application until the XXXX payment was sent out despite having all the information to make a determination now. I advised that waiting until the last minute to process could result in further delays thus forcing me to have to use deferment and forbearance months if something is wrong with the application. 
I was told by Fedloan Servicing that this is their policy. After pushing, I was then told that it is Federal Policy. I asked for the Federal Law stating such and was met with silence. 

I would like my application processed within a reasonable amount of time. Waiting until the very end of my current plan is unacceptable and opens the door to a forbearance ( capitalized interest ) or deferment issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I opened several AAdvantage credit cards with Citibank. I put a total of {$37000.00} on these credit cards, and earned XXXX XXXX miles in exchange. On XX/XX/XXXX, XXXX XXXX shut down my account and forfeited XXXX miles earned through Citibank. XXXX  XXXX  specifically stated that my account was shut down due to the " ineligible '' miles earned through Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Kriya Capital, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2021, I paid off a collection owed to XXXX XXXX XXXX. The only service I used with XXXX XXXX XXXX was internet. Nothing else. I received a letter from the collection agency ( XXXX  ) as proof the debt had been paid. Over the course of the past year, a collection agency called Credence has repeatedly reported a sum of {XXXX} as due to XXXX XXXX XXXX on all three credit bureaus. This has happened at least 5 times. Each time, I dispute with each bureau and each time the bureaus have removed the collection from my credit report. Last month, this company reported this false amount due to my XXXX report and this time, it was not removed. I have attached the letter from XXXX ( the original collection agency ) as proof that payment was made to XXXX XXXX XXXX. I would like this company to stop harassing me by reporting false information to my credit reports. This debt has been paid in full and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been placed on REPAY, and was informed that when I made a good faith payment that it had taken care of my payment in order to get my loans in a better payment option. I have been informed by Fedloan ( PHEAA ) now that I have to make another payment of the same amount because my " good faith '' payment that was already made was satisfying the month previous to the payment, even though I was on a forbearance. This is not the first time that FedLoan has mistakenly informed me of regulations in regards to my loan repayment options. I am not sure that I will actually be forgiven at the end of the PSLF because it seems that they are n't sure of what their supposed to be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with product or service terms changing

Complaint:
I have been attempting to login to my credit freeze account through Transunion. It used to be located at the site https : //www.transunion.com/credit-freeze. When attempting to login I receive and error. I have a record of the user name and password I used when starting the account 2 years ago. Now it appears as though the login site is https : //service.transunion.com/dss/login.page ; however, when I try to login it also returnas an error. 

Besides not having access to my freeze account, I can not get support. All support is automated and simply sends you to a password reset site. The password does not actually get reset and there is no other way of getting a resolution as there is no phone or email support at Transunion.

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 2020-03-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 - I received an outstanding balance notification from " XXXX XXXX '', the property management company for " XXXX XXXX XXXX ''. They claimed damages without substantiation of the damage - no receipts or photographs were provided. The amount claimed was {$1800.00}. 

I responded by emails disputing the damages the same day and also on XX/XX/2019. XXXX XXXX   did not respond. 

I visited on site, entering the apartment, and observed that the major expense - claimed damage to a vinyl floor - was not present. I took photos. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  did not respond. 

My property insurance company provided me {$1000.00}, the policy limit for this type of liability. I forwarded the money to XXXX XXXX This reduced the amount claimed to {$550.00}. 

XXXX XXXX sold or contracted the " National Credit Systems '' to collect this claimed debt. I forwarded to national credit systems my dispute with XXXX XXXX, and asked them to validate the debt. 

" National Credit Systems '' failed to investigate or validate this debt. They simply forwarded an account statement provided to them by XXXX XXXX and stated that I had to prove the debt was not valid. 

As it is not possible to prove a negative, and it is on the creditor to prove a debt as owed, not on the alleged debtor to prove a debt isn't owed, this is abusive behavior. 

More than likely, XXXX XXXX is engaged in a wide scale generation of fraudulent damages claims for profit, where most departing tenants have false and inflated charges added to their accounts. And more than like, " National Credit Systems '' is aiding and abetting such abusive landlords.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After review my consumer report, I noticed multiple attempts of unauthorized hard inquiries to obtain credit cards and personal loans in my name. These attempts were not made 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 non-monetary relief
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: GA
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 am XXXX XXXX I am a victim of identity theft and fraud.I have applied for protection in the past and I have protection now. I have atleast six different policies all with insurance payoff none has paid. I have proven the inconsistency of the three bureaus reports and filed for the my fair credits rights act reimbursements.Also I have severe inquiries that are still on my report from 7 years ago and these inquiries has lasted and a few that are alleged to last two years. I applied for the my fair credits rights act in XXXX  but I have no results and I have not received any insurance for identity theft either.My documents are with the ftc I have identity theft and fraud proof but no reimbursement or insurance relief.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all covered me under there policy but none paid. And no fair credits rights reimbursement I applied for in XXXX my rights have been violated and I am suffering and sufffing just for a roof over my head. I am on Goverment assistance but the money dont even last 3 weeks when u have no home. And dozens of complaints with the CFPB and ftc and XXXX county police but no resolutions to identify theft fraud and abuse with the three credits bureaus I have illegal garnishment on my accounts with XXXX XXXX and illegal restrictions. There shouldnt be any others names over my account I am an adult and it is a result of identity theft and fraud.I live in XXXX Georgia I am an American born and raised I am being discriminated on. I am praying for relief. I live at XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX. Where I can be reached by phone XXXX XXXX or XXXX XXXX or email XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: PENTAGON FEDERAL CREDIT UNION
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this letter to inform you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, PENTAGON FEDERAL CR UN XXXX Date Opened XX/XX/2016 Balance {$0.00}, PENTAGON FEDERAL CR UN XXXX Date Opened XX/XX/2016 Balance {$0.00} These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy the reported payment history of these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2017-03-27
Company: AES/PHEAA
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I believe if this is a student loan and they are reporting that I am late on payment but they are direct withdrawal. If this is n't a student loan then I do not know who they are or what it would be. Either way it is affecting my credit score. Furthermore, they have not tried to contact me.

Company response to consumer: Closed with explanation