BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-09
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I 'm starting to think I might have been a victim of predatory lending. I am only 2.5 years into my auto loan with First Niagara Bank, and I 've noticed the current value of my car is only XXXX and my auto loan balance is XXXX How in the world did they sell a car for so much more than what the car was worth? I 've asked the lender if I could do some type of refinance to somehow save on interest so I could pay more to principal, and I ca n't I 'm stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a child support agreement that was set up by our attorneys. I have never been late on it yet the agency is reporting that it has been late twice. I have asked them several times to fix it but they wont. This has gone on for many months without an answer. I thought they were supposed to respond within 30 days or remove the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I did my taxes on XXXX XXXX 2015 and my taxes still pending for 4 months then i called the irs office and they told me that they cant send my refund cause they need to verify my id, so they transfer me to another office and XXXX lady ask me a lot of questions finally they found that im the real XXXX XXXX XXXX and that somebody in new york used my name, my last name, my second last name and my social security number there, that person filled the taxes using my info, i call a company to report a identity theft and they said that the only thing that can do is put a fraud alert in my credict report, another concer is that they sent me a credit report and it shows XXXX phone numbers that never belong to me ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive any notice of this dept if so I would of put my medical insurance information, I 've had medical/iehp since 2009

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was contacted by Transworld Systems Inc. about a default student loan debt they are attempting to collect on for XXXX XXXX XXXX. My original loan amount was for {$11000.00} and they are claiming I have a balance of {$17000.00}. I asked what I need to do to dispute this debt amount and they would not share that information. I also asked the representative the date this debt went into default and the time-barr status, he refused multiple times to give me this information. After the representative asked how I intended to take care of this balance I informed him that I would not be making any activity on this account until they verified this debt by sending me the appropriate documents through the mail. I provided him with my address where they can send me the documents and 18 days have passed, I have received nothing. He also asked me what my annual income was and wanted the address of my employer, I told him I was not comfortable sharing this information. I received another collection call a few days later with the same routine and I reminded them that they are required to mail me verification of the debt within 5 days. I told the representative that I did not want to receive any more calls until they mail me verification of the debt. They have called 2 more times since then, but I declined to answer the phone. They have ignored my requests for documents and refused to share information on the account with me multiple times. I can not do business with or make payments with a collection agency who conducts themselves this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Delbert Services
State: PA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I RECEIVED A LOAN FROM WESTERN SKY IN XX/XX/XXXX FOR XXXX...THEY IMMEDIATELY SET UP A PAYMENT PLAN FOR XXXX PLUS INTEREST, THEY LATER STATED THAT XXXX WAS PROCESSING FEES...IT WAS THEN SOLD XXXX...I HAVE PAID BACK APPROX XXXX TO XXXX, MAYBE A LITTLE MORE...I HAVE SENT THEM EMAILS ASKING THEM TO RECALCULATE MY LOAN BASED ON MY STATES INTEREST RATES (6%) ..I LIVE IN PENNSYLVANNIA...THEY REFUSE TO ACKNOWLEDGE MY EMAILS BUT XXXX RETURNED AN EMAIL STATING THEY WILL BE TURNING ME OVER TO THE CREDIT BUREAU...SINCE THEN OTHER DEBT COLLECTORS HAVE CALLED ME REGARDING THE BALANCE WHICH IS WELL OVER XXXX....HOW CAN I GET THEM TO REMOVE THE NEGATIVE INFORMATION FROM THE CREDIT BUREAUS AND CLOSE THIS ACCOUNT SO OTHER DEBT COLLECTORS WILL STOP BOTHERING ME ABOUT IT...THANKYOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Capital One is reporting twice on all three of my credit reports. I have since paid the card that i had off and it is a part of the problem with me getting my children into a home I need these derogatory marks removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX and XXXX XXXX, 2015, I accidentally made duplicate payments on my account. The duplicate payment was applied to my Pay Over Time balance. After some difficulty, I was finally able to have XXXX payment reversed. However, the reversed payment was added to my minimum balance due XXXX XXXX, 2015, meaning that the payment was never really reversed ( now I 'm expected to repay the payment by XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XXXX XXXX, XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XXXX XXXX. The bills were sent to her address, and I can prove when I moved out in XXXX XXXX and I did not live with her, after XXXX XXXX. As of XXXX XXXX, XXXX ; The Statute of Limitation Law protects me as a consumer, the XXXX anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting 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 2015-05-29
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They called my number looking for XXXX XXXX I told them that this was not her number and to not call back again. They were looking for her for a 3 year old debt for XXXX. They will take send it to collections and come after me and they will call back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In XXXX I was approved for pua unemployment benefit the office mailed me a letter through the mail and it said the card would be here within ten days. I waited and waited no card came so I call to find out and here they sent my card to another address where it was stolen activated the card and spent {$14000.00} and so I called state cops and opened a investigation did all kinds of paperwork for the card center and they are refusing to pay back my disputed transactions I'm a single mother with no support and forced to stay home with my children we have nothing I wan na a lawsuit the kids want a lawsuit this is their fault and my children and I shouldn't have to suffer. I have no money no food my kids have no winter clothing. What do I do.

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 2015-05-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted both XXXX and Midland Funding concerning an account that is listed on my credit report by Midland Funding. XXXX was unable to provide an explanation of the exuberant charges that Midland Funding was attempting to collect. Midland has not provided an explanation of the charges either. I have contacted them by fax, phone and mail. This account undoubtly includes cramming charges not authorized by me and that I do not owe. XXXX 's practice of cramming is well outlined in a complaint filed by the FTC where XXXX has agreed to reimburse negatively affected customers for these erroneous charges. 

Not only has Midland Funding continued to try to collect these unowed amounts but they also have reported this to the credit bureaus and verified the reporting of the same when I attempted to dispute the charges with the credit bureau. 

To date although requested Midland Funding has provided no valid proof that I owe this debt and can not provide the same because I do not owe this debt due to the cramming charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: WLCC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lender continues to call my place employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Leaving messages with co-workers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: GVA Holdings, LLC
State: TN
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Says Case file # XXXX. Email from XXXX XXXX from XXXX XXXX XXXX XXXX. Says I owe for a loan that I did not accept. I was trying to see how much I could get, but did not accept the loan and never received the money. My bank also verified that I did not receive any money. They do have all my info. But I did not receive the money and they keep trying to get me to pay for money I did not receive and saying that I will have to go to court if I do n't pay. Says he has all the proof he needs, but as XXXX is my witness, I did not receive the money, I only applied to see what I could get. All I know it as is Cash Advance. This man says he is from the financial crime investigating department attached XXXX Government. I have never received anything in the mail regarding any information about this or from the loan that I supposedly took out in writing by mail. Only email threats to pay for something I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted XXXX and they were not able to verify the information on this account. The CRA reported verification of this account. I dispute the accuracy and method of the verification with the Original Creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 4 and 5 times in a row back to back. It 's horrible. I 'm working and talking to customers and my phone rings 5 times back to back?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to get my Credit report from Equifax but was unable to get over their automated system then told to go to automated system by live representative and did not want to give me my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My credit score with Equifax has went from XXXX to XXXX in less than one month because of their online dispute process, and them re-inserting previously deleted information. I have sent them over 5 letters requesting for investigation, and now they have somehow inserted a previously dormant and deleted account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX, 2016 I talked to representative at Transworld Systems about my student loan account. I never given my new number out and the number that the company had was an old number. After speaking with the individual she was to send me a email via fax system for application as a Financial Disclosure for Reasonable and Affordable Rehabilitation Payments. I filed out this form and on XXXX XXXX, 2016 called and asked for the email to send it I was given a email to fax address. After which this woman representative continue to talk over me or past me trying to collect the debt when I was instructed to talk to woman I spoke to on XX/XX/XXXX. I asked for supervisor but no one would get the woman I spoke to in XX/XX/XXXX on the phone only said she would call be back it never happened. However, later this day XXXX/XXXX/16 I received a call from another company saying the company can lower my amount and payments. Now this was a new number because the it was only when I gave it out to Transworld Systems then I received this call from another company called " XXXX '' department. Today was also when I gave Transworld System the correct number because in there system the number was off by one digit. Therefore, my information and personal debt information was given without my permission and someone in the company gave it to a third party. I was never told that my information would be given to anyone or shared. 
This company that called me was " XXXX '' also texted me that 's third party violation as well because anyone can see text on my phone my wife, sister etc.. 
What I want from this? .. restitution. My reference numbers at Transworld Systems are : XXXX, XXXX. Transworld number XXXX and the number from this company called " XXXX XXXX XXXX '' is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got my credit report XXXX months ago for the first time in XXXX yrs, I saw a lot of incorret accounts that was not my account, I contacted the creditors XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I told them the accounts on my credit report is not my accounts at all, XXXX days later the all sent me letters & called me & told me this accounts was unverifable & inaccouate & it was somebody elses accounts in the letters sent to me the accounts to be deleted from my credit report because this accounts is not mine, EQUIFAX REFUSES to Delete This inaccurate & unverifable accounts that states in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been monitoring my credit as I getting ready to purchase a home. As of XXXX XXXX XXXX I noticed that the XXXX XXXX Child Support Enforcement hit my credit for XXXX plus points on my XXXX XXXX and other reporting agencies. I 've tried to dispute on XXXX XXXX, it did nothing. These are dating back in XXXX. I have n't been late on Child Support in 5 years, as I 'm ordered to make double payments. When I contacted the XXXX XXXX Child Support Enforcement office, they informed me that XXXX gave it to XXXX to handle. XXXX hit my credit for god only knows what reason. It needs to be removed immediately and both XXXX and XXXX should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX INQUIRY WAS PLACED ON MY CREDIT REPORTS. XXXX XXXX SENT ME A LETTER STATING THEY WILL REMOVE THE INQUIRY BUT STILL NOT REMOVED FROM MY CREDIT REPORTS OF XXXX XXXX, EQUIFAX XXXX REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I received a call from dealership where my husband and I purchased our truck last XXXX. They said they noticed we have been making our payments on time and would to see us and possibly see about new options. We drove to dealership following weekend and were just going to just speak with someone. They keep trying to have us purchase a new vehicle on top of the one we already had and also told us we could just purchase a new vehicle and let the one we have go back. I specifically said we were not interested in a new truck and stated that several times while I was there. While I was there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had already stated I did not give them permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the up coming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because It was n't directly through them, that I would have to speak with the dealership. I called the dealership and spoke to the guy who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake. XXXX Equifax said they could send in a statement explaining that it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
GREETINGS TO YOU, XXXX XXXX XXXX REGARDING THE ABOVE CASE NUMBER, I SENT TO THE FEDERAL TRADE COMMISSION AN ID THEFT MATTER REGARDING XXXX ON MY CREDIT REPORT 3 WEEKS AGO. 




REGARDING EQUIFAX , XXXX AND XXXX, I REPILED TO THE FEDERAL TRADE COMMISSION. 




I PLEASE NEED FURTHER ASSISTANCE WITH THE CREDIT REPORTS ABOVE AND YOUR SENT TO THE FTC. 




I WILL RETURN A CALL TO YOU OFFICE AFTER THE FEDERAL GOVERNMENT HOLIDAY. 




RESPECTFULLY, XXXX XXXX XXXX

Company response to consumer: Closed with explanation