BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: Lincoln Educational Services Corporation
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I got a misunderstanding of my lone, when I was singing up to go school, i think they did n't explain the student lone well. I was unemployed at the time when I first started school. I was paying {$230.00} per month, did n't know that it was XXXX different types of loans I had to pay back, not until I graduate. After I finish school they did n't even get a job as they promises, so I when back to my old job, but I only could pay for a while until this is it, am not making as much money. I thought I was mislead in that lone transaction. Am a XXXX XXXX XXXX man with responsibilities.what good paying job could they get me to pay back the lone, when the course is only for couples of months, there 's so much to learn in automotive industry, am not a well educated. So I could n't get into any step program with any of those top end dealer company. For a person with out any mechanical background it 's hard to learn most things, hands on in XXXX months. Am not in any situation right now to pay back the lone.from i graduate school i do n't do anything auto mechanic work, i do n't remember mostly nothing that I have learned. Am hardly can survive, credit shot, need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
the XXXX is contacting my family ( father, siblings and my minor daughter ) about a charged off account that is XXXX years old they tell my family that they are serving papers by way of the sherrif dept on me ( they never do ) and when I call them back they wo n't give me a answer on the amount that i owe and they get rude.

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 2021-11-24
Company: Experian Information Solutions Inc.
State: CA
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:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XXXX  ( Reported Identity Theft ) 2. XXXX on XXXX  ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2016-08-10
Company: Acceptance Solutions Group, INC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was approved for a pay day loan of {$500.00} from Acceptance Solutions Group on XXXX XXXX, 2016. As part of my agreement with the company, I was required to pay {$140.00} every other Friday ( my pay day ) until the total loan amount + interest was paid off. I set payments up to be drafted from my checking account initially. 

When I started struggling to cover all of my bills and noticed over draft fees were being charged I called Acceptance Solutions Group and asked that they remove my bank information from my account- I told the customer service representative that I would like to start making my payments over the phone manually. I was informed by that same representative that my banking and card information was removed from my account and I should n't expect any more auto drafts to take place. The very next Friday ( pay day ) I noticed that a payment was made with my card information ( not a bank draft, but they still used the card information that I had asked them to remove just a week prior ). I called Acceptance Solutions Group again and asked the representative to make sure that both my banking AND card information was taken off the account to prevent me from incurring any overdraft fees with my bank. The representative then got very frustrated that I asked this of him and transferred me to his manager. The manager got on the line and, in a very condescending and rude tone, told me that he would not remove my card information and informed me that they do not allow payments to be made over the phone or online manually because, " This is an online company so everything is done online. '' I was confused and frustrated at this point so I told the customer service manager that I would simply take matters into my own hands and turn my debit card off to prevent any future drafts from being made- despite what I had already asked the company to do for me TWICE. 

Acceptance Solutions Group has now called my cell phone and WORK phone and left personal information about my account on both my personal and WORK voicemails ( which are not private ). This is a violation under The Fair Debt Collection Practices Act ( FDCPA ) that expressly regulates calls to third parties in section 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall " not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Square , Inc. 
Attn : Cash Disputes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : You froze my account without a writ of execution and in violation of XXXX XXXX & XXXX. 

To whom it may concern : I am demanding the immediate release of my {$2500.00} balance in my CashApp account. You have frozen the account unlawfully, causing me not to have the funds to purchase essential medicines, pay for utilities, pay for auto insurance, life insurance, other auto expenses and notes and contributed to stress so great that I do not believe that I will survive XXXX more moment. I have advanced XXXX, XXXX, XXXX XXXXtc. 

On XXXX, XX/XX/2021, my associate transferred {$2500.00} to my CashApp account and we each transferred a total of {$2.00} into the account for test purposes. From that moment, we have not been able to cashout even {$1.00} and I could not refund the payment to my associate. After frustrating and failed attempts to get answers from your support app and personnel, I received an email yesterday, XX/XX/2021, stating that you had frozen my account due to your receipt of a XXXX filing that asserted I had a secured interest in a debt. I have explained to your personnel why your actions were impermissible, to no avail. Let me list several reasons : o New CA law ( XXXX XXXX ) requires CashApp to exempt the first {$1800.00} in my account from private creditor garnishments, with no need to go to court. You failed to execute that law, freezing my entire account. 
o You also violated CCP 704.22, per my explanation of my living expenses that are going unpaid. 
o You froze my account pursuant to a mere document from a creditor. That is impermissible under CA law. You must be served with a court-issued writ of execution by the XXXX before you can freeze my account or remove funds from my account. That procedure ensures due process, the accuracy of the creditors claim, etc. 
o I have informed you and the creditor that the UCC filing they presented to you is in error, that I have no secured claim with the creditor. 
o I have informed the creditor that its errors in the filing and the fact that it forwarded the erroneous document to third-parties to harass and intimidate me are violations of the Fair Debt Collection Practices Act, subjecting it to damages under XXXX of the Act. 
o You are participating in an illegal debt collection activity, and have violated multiple laws to seize my money, giving rise to additional violations of the Act by you, as well as the torts of negligence and conversion. 

I am demanding the immediate return of my {$2500.00} to prevent further unlawful injury to my family, my business interests and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Accelerated Servicing Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continually get phone messages stating I owe some sort of " debt '' that I don't owe. I'm threatened with legal action and threatened of credit agencies being notified resulting in my credit being tarnished.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have an amazon account and I opened an Amazon Credit Card account. Problem is you ca n't log on to make a payment without being redirected and then asked to log on again to a different website. I had constant issues logging into the third party website every time I wanted to make a payment. I was so frustrated just trying to make payments I decided to close my account and would have expected when I clicked the close your account option over the phone, it would have required you to pay and close the account. Nope it just closes your account. Then I tried to make a payment using my Credit Card to pay the entire amount off and it wo n't accept a credit card payment nor would it allow me to reopen my account. No way should it allow you to close your account without informing you of your closing balance and stating the only way to pay off the balance is via a checking account. I would NEVER have closed the account had that information been provided prior to the closure. I would have simply remained making the payments however troublesome making them were. Now I will be forced to pay the entire amount at once. I believe they make it difficult purposefully.

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 2022-05-05
Company: EQUIFAX, INC.
State: IL
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:
Inquiries arent mine and shouldnt be on my credit report. 

DateXXXX XXXX, XXXX XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX  AddressXXXX, XXXX XXXX XXXX, XXXX, OH XXXX DateDec XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX DateOct XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX DateSep XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, RI XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateJul XXXX, XXXX CompanyXXXX XXXX, XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX DateApr XXXX, XXXX CompanyXXXX  AddressXXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX, XXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateDec XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX AddressXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX, XXXX CompanyXXXX  XXXX, XXXX AddressXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX AddressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Request OriginatorAXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Request OriginatorXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX  XXXX DateXXXX  XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I received my first statement from Capital One XXXX the day before they called me last week. The due date was XXXX XXXX, 2016. They made me pay XXXX because they said it was late. The due date was XXXX XXXX 2016. They were late mailing the statement out then. I paid the XXXX late fee but if I do n't receive a statement then how do I know it is late then? I can not read their minds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My credit report shows a judgement that should have been taken off. It has been close to 8 years and it is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my XXXX record or reported to all three agencies.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The inaccurate information reporting on my consumer reports include XXXX XXXX XXXX reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect. 

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. XXXX XXXX XXXX is causing me tremendous financial harm, I have documented proof of inaccurate reporting across XXXX, XXXX and Transunion. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. XXXX XXXX XXXX continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ). 
These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.

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 2018-03-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my XXXX record or reported to all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, there is still a remaining inquiry that is reporting on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 in good faith to get household goods for my family. With my ignorance to the federal consumer law and trust in XXXX XXXX contract I was taken advantage of with the terms of the contract. I used the CFPB website and looked at Regulation Z which is the Truth in Lending Act and I see that when entering a credit transaction you're responsible for the finance charge and that is the dollar amount the credit will cost you ( XXXX Finance charge ) the finance charge was {$7700.00} and I paid {$10000.00} which is more than the finance charge. I also noticed that the transaction was suppose to come with credit insurance unless I declined the option and Chrysler Capital say they don't offer that which not following the Truth in Lending Act as they say they do. The finance charge also says It does not include any charge of a type payable in a comparable cash transaction but I was told to put down {$3200.00} as a down payment and they deduct the down payment from the total cost they actually added the {$3200.00} to the total cost which is just criminal on their part. Regulation Z also gives you a right to rescission in section XXXX which allows the consumer until midnight of the XXXX day to cancel the transaction but with Chrysler CapitalXXXX contract it say no cool off period meaning if you sign the contract you can't cancel and that is another violation of the Truth in Lending which makes them civilly liable for double the finance charge. I sent a complaint to this company in XXXX using title XXXX chapter XXXX and they responded with my claims didn't apply to auto loans but its a credit transaction that I applied for and it says it on the contract. Since then I have found violations of the FDCPA that this company has violated as well and I have them attached to this complaint. I am filing this complaint because Chrysler Capital is still reporting this account as negative to my consumer report and they sent an unauthorized person to my home the steal my vehicle and knowing that I was only responsible for the finance charge which means the vehicle was paid for. This action by them has put me and my family in a financial crisis because we're unable to get and house hold good by credit because Chrysler Capital has ruined and is continuing to ruin my reputation the have even sold the account to a company named XXXX and they're are reporting to the consumer reporting agencies as well I want to settle this matter here because they have caused me and my family too much injury.

Company response to consumer: Closed with explanation