BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-29
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2015 I received a phone call from XXXX regarding my monthly payment due to Republic Finance.  I explained to her that I would be in on the XXXX which I always pay at the end of the month.  She called me on XX/XX/2015 again which is a violation of my consumer rights due to the fact that we had discussed the arrangement on the XXXX.  With that being said, her call on the XXXX is considered harassment being that she should not have contacted me again for XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I was taking class as part of the Small Business Administration 5- XXXX to introduce my health drink XXXX. An orientation was hosted by XXXX XXXX, president of SBA. I took class from XXXX of XXXX to XXXX of XXXX to learn about how XXXX could help me in my health drink business. I was introduced to XXXX, an intake specialize at SBA and he was going to help with my health drink business. Then I was introduced to a Consultant whose name was XXXX XXXX. He is one of the instructors who is supposed to help me find a warehouse because I need space. XXXX XXXX and I were supposed to have a launch party in XXXX of XXXX. I was broke around XXXX and XX/XX/XXXX and started looking for a loan. I was knot of where that i receive the loan their were [ problem. I went to my bank in Late XXXX to cash a check. That's how I found out that I had money XXXX in my account. I was expecting some kind of paper promissory note.Then I would receive money in my bank account. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was told that I would be charged a one time fee. The fee is {$230.00}, and they 've broken it down as follows after logging into their website : 2Sign Loan Agreement CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : XXXX XXXX XXXX, XXXX, d/b/a Rushmore Financial ( referred hereinafter as " Rushmore '' ) Mailing Address : XXXX. XXXX XXXX XXXX, SD XXXX Telephone : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX XXXXXXXXXXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Borrower 's Bank : XXXX XXXX XXXX XXXX XXXX Account : XXXX Loan Number : XXXX In this Consumer Loan and Arbitration Agreement ( the " Agreement '' ), " you '' and " your '' refer to the Borrower identified above. " We, '' " our, '' " us '' and " Lender '' refer to Rushmore, an arm of the XXXX XXXX XXXX of South Dakota, a federally recognized XXXX tribe. " Loan '' means this consumer installment loan. 

-TRUTH IN LENDING DISCLOSURES : The disclosures below are provided to you so that you may compare the cost of this loan to other loan products you might obtain in the United States XXXX Our inclusion of these disclosures does not mean that we or any subsequent holder of the Agreement consent to application of state or federal to us, the Loan or this Agreement. The table below details the maximum payments and costs to the extent periodic payments are made for the full cycle of the loan which can be reduced upon early payment of the Loan. 
TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
669.1667 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$3200.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$700.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 

{$3900.00} Your payment schedule will be : Date Amount XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$260.00} XXXX/XXXX/XXXX {$250.00} XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$210.00} XXXX/XXXX/XXXX {$200.00} XXXX/XXXX/XXXX {$190.00} XXXX/XXXX/XXXX {$180.00} XXXX/XXXX/XXXX {$170.00} XXXX/XXXX/XXXX {$160.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$130.00} XXXX/XXXX/XXXX {$120.00} XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$100.00} XXXX/XXXX/XXXX {$92.00} XXXX/XXXX/XXXX {$81.00} XXXX/XXXX/XXXX {$69.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$46.00} They only posted this information after my loan was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Progreso Financiero now known as Oportun has been harassing me to pay by calling not only my references but also my employer. I receive calls about 10-15 times per day and rarely do they leave a message. The only time they do leave messages is if they were able to speak with someone. They leave messages saying that it is an extreme emergency that they get a hold of me to discuss business matters regarding my account. This company has very poor customer service. Oportun should not be disclosing any of my private information with any of my references much less my employer. Oportun has violated my privacy rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-12-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I went to ACE Cash Express, and for the loan amount it quadrupled. I am a XXXX vet with XXXX, and I am a dislocated worker when I made arrangements to pay the account got moved to a debt collector. I am dealing with someone named national credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Other

Complaint:
New Information on Discover Card. This company is using unfair, harassing and discriminatory practices while trying to collect on an alleged debt from a lost card. They keep saying to provide information which as been provided as requested. What other information do they want. This investigation process is a sham. They have as much intention of helping as did XXXX XXXX in the XXXX. Everything was for show, and every accused was automatically found guilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: DISCOVER BANK
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Att cfpb Inference to discover card XXXX I 'm writting to continue my dispute with Discover Card. about unlawful reporting that they are reporting about me. I 'm well aware that Of rights as the consumer. I will stand my ground tooth and Nail if I have to hire and lawyer to get this remove from My credit File the Law clearly states that The original creditor in this case would be ( discover card ) MUST I REPEAT MUST SEND EACH CREDIT REPORTING AGENCY COPY OF ANY CREDIT APPLICATIONS WITH THE CONSUMERS SIGN SIGNATURE ATTACJED TO IT. I 'm fully aware that discover back failed to do so. because I reach out to XXXX / XXXX / XXXX None of these reporting agencies were Able to provide me this Information ( CFPB PLEASE SEE ATTACHED FILE FROM XXXX With there Finding. The FCRA 609 ( A ) ( 1 ) ( A ) That the consumer has the right to ask the creditor / reporting agency for this enclosed information! Also FCRA SECTION 611 ( A ) ( 1 ) ( A ) / 611 ( 5 ) ( A ) Also states That YOU ARE REQUIRED TO PROMPTLY DELETE THIS INFORMATION. You have effect My ability to Obtain credit in my name! This is VERY shameful on your behave for failing to send the necessary paper workwork to the reporting agencies That the FCRA REquire your company to to follow. You should really be ashamed of yourself.. 
XXXX I give you XXXX Business to have this fraudulent information that you are reporting on me off of all XXXX file because I will Take Legal action! 

CC CCFB I HAVE ATTACHED A FILE TO THIS COMPLAINT FROM XXXX DATE XXXX XXXX ALSO WITH XXXX AND XXXX PLEASE SEE PREVIOUS CFBP case number XXXX also case number XXXX CFPB NONE OF THESE AGENCYS HAVE THE PROPER paper WORK TO BE REPORTING fraudulent and Negative information about me. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Transunion credit bureau and XXXX credit bureau is reporting an inaccurate pay history for XXXX XXXX XXXX stating that I did not pay the month of XX/XX/XXXX. I have attached the pay history that clearly shows that I made a payment of {$140.00} on XX/XX/XXXX. I recall calling the creditor XXXX XXXX XXXX and inquiring why they were reporting no payment made in XX/XX/XXXX when you can clearly see I made a payment on XX/XX/XXXX in the amount of {$140.00} from the payment history. They stated that there was a glitch in their system, that is not my fault and they need to correct my payment history immediately.

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 2017-01-09
Company: Rent Recovery Solutions
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I reported last week that Rent recovery was reporting XXXX different accounts with the same amount. XXXX in the amount of {$3800.00} is listed twice on my XXXX and XXXX for the amount of {$3400.00} same date same amount but twice and they say this is legal and valid how? I noticed they took one off in XXXX but added it right back on which is illegal. I am attaching all the proof. I check my report every single day. I am trying really hard not to get a judge involved but it seem 's to be the only way because nothing is being done about it. I sent them a letter certified mail and they have failed to respond the letter was sent XX/XX/2016. Please investigate this company they are reporting inaccurate information and trying to collect on bogus debt and I can prove that as well because the company is no longer in business. No one has explained to me why is it on my report twice and for the same amount. I want it fixed and corrected. they removed the {$3800.00} but added it right back on twice. I ca n't wait to see them explain this to a judge. I have provided the proof they removed it and added it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Credit determination

Complaint:
I had a XXXX Bank of Hawaii XXXX, which I paid ontime, and for the past 3 months, I have paid the entire balance off mothly. On XXXX XXXX, XXXX, my credit card was closed for no reason or valid cause, and I was no longer allowed to make purchases with my credit card. I could no longer make purchases with credit card, so I called the bank on XXXX XXXX, XXXX, to discuss my account. When I was able to be connected to a customer service agent, I was told that my account was closed and my credit card was closed. I asked for what reason, and I was told that my payment was returned, and than it was resubmitted and now payment was received and paid. But a review was conducted and it shows I had previous account history with them, and now they want to close my account. In XXXX XXXX, I was approved and use my credit card properly and always paid ontime and several times paid remaining balance off monthly. I have handleded my credit card in good standing, and showed no reason to close my credit card account without proper notification or investigation. This is unfair credit practice, and I would like my credit card reinstated and in good standing. Currently, my credit report has been affected by this negative action by XXXX Bank of Hwaii XXXX, I would like this matter be resolved.

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 2016-06-10
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Discover Student Loans auto dialer calls four times a day five days a week. No messages are left, these calls are made before 30 days have passed since bill due date. Even being instructed to reduce the call rate they say they ca n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2016-01-06
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During a recorded phone call on XXXX/XXXX/XXXX, a supervisor by the name of XXXX ( XXXX? ) in Dovenmuehle 's Loss Draft Department repeatedly stated that they follow " XXXX loss draft guidelines. '' In a subsequent call on the same day a representative named XXXX confirmed that XXXX 's statement is the same guidance that " they '' get. Presumably " they '' are the representatives in the loss draft department. 

However this can not be true. Per XXXX XXXX 's own website : " Consumers are sometimes mistakenly advised that because their government-insured or government-guaranteed loans XXXX serve as collateral for XXXX-guaranteed securities, XXXX XXXX determines servicing decisions regarding their loans. 

However, XXXX XXXX does not set standards for mortgages that are to be federally insured or guaranteed. Each agency that is providing the mortgage insurance or loan guarantee sets the standards for the mortgage originated and the approved lenders that participate in the XXXX XXXX program are responsible for ensuring those standards are met for consumers ' loans. These lenders have complete responsibility for servicing decisions. XXXX XXXX does not make any servicing decisions. XXXX Another supervisor by the name of XXXX the XXXX day confirmed that they in fact choose to follow XXXX guidelines XXXX not XXXX XXXX XXXX This was not the first time that I have spoken to someone in Dovenmuehle 's Loss Draft Department confused about what kind of loan I may or may not have and if they are following XXXX XXXX or XXXX rules. This is documented in a fax I sent to the Loss Draft Department on XXXX/XXXX/XXXX. 

Dovenmuehle 's business is mortgage servicing and therefore they should be able to provide more accurate information regarding mortgage servicing to consumers. This is an egregious misstatement of their own policy, but more importantly that of a wholly owned U.S. Government corporation. It is disingenuous and irresponsible for Dovenmuehle to pass off the responsibility of their own policies on another entity. It is also concerning that phone representatives and supervisors in a company dedicated to mortgage servicing are so mistaken about their own business, industry, and regulatory environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
I paid debt with Midland credit company in 2013 in the amount of XXXX for a unpaid bill XXXX. Midland Credit will not reach out to XXXX to let them know the debt has been paid. XXXX still have me owing a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I paid a loan in full with DISCOVER STUDENT LOANS on XXXX/XXXX/XXXX ( Loan # XXXX ). It no longer appeared on my statements after this payment was made. A year later, on XXXX/XXXX/XXXX, I called to pay my last Discover Loan in full. I was told that the Loan I had paid off a year ago, # XXXX, was still active and accruing interest in their computer system, even though my statements for a year showed it to no longer exist. I asked to receive a payoff balance in the mail that showed and subtracted all the interest accrual that had not been provided to me in statements for the year, as well as an explanation for how the loan was still active without showing on my statements for a year when I paid it off. I was told that this was n't necessary and that the full amount would be canceled. This was the conclusion of my conversation with a customer service rep and a Manager on XXXX/XXXX/XXXX. However, I was not provided with the resolution promised. I next received a letter dated XXXX/XXXX/XXXX that " approved ( my ) deferment request for Loan # XXXX. '' I was outraged, as I made no such request legally and had been told that I would receive paperwork showing the loan to be closed and the balance forgiven due to extreme clerical error on the part of DISCOVER. On XXXX/XXXX/XXXX i called back. i talked to a customer service rep names XXXX who told me my request to fix this error required a " Special Team '' and that a letter would arrive by XXXX/XXXX/XXXX that would close the account and forgive the balance. This Letter also did not arrive. As of XXXX XXXX I have still not received any statements with options to pay off or understand my interest accruals on Loan # XXXX. I do not know what my balance should be given that I paid my balance on Loan # XXXX in full on XXXX/XXXX/XXXX and that this Loan no longer appeared on any statements after this date, while a balance was somehow accruing interest unknown to me. I refuse to pay a balance via telephone based on the fact that Discover Loans will no provide me with the breakdown of the unknown interest accrued since XXXX/XXXX/XXXX that i asked for, and has not delivered -- twice now -- on the erasure of this balance and closure of the account that I was told was going to be provided to solve the clerical error. I am also still in a forced deferment that I *did not request* for Loan # XXXX based on a letter that showed up at my house in XXXX. Thank you for your assistance in advocating this issue with DISCOVER STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
From XXXX XXXX XXXX XXXX : American Express Business Credit Card Marketing proceduresI have been an AMEX customer since XX/XX/XXXX and pleased with service, until ... I start getting unwanted solicitations for a business line of credit **for a business I have no association with** When I call, they tell me it will take three months to correct the error. In the mean time, every two weeks I get an invitation to open a line of credit with this erroneous business. 
1 ) Opt out procedures typically are 30 days- waiting 90 days is unacceptable2 ) I have nothing to do with the business they assigned me to3 ) Every mailing is a risk. People go through mail and take credit card offers, and steal identity, change addresses and open accounts fraudulently. When I explained this XXXX to AMEX, they stated " sorry it takes 90 days. " 4 ) I dont understand how I was associated with XXXX University in the first place. 

I have enjoyed AMEX over 20 years, but these erroneous mailings every two weeks not only borders on harassment, it is establishing a risk for any person receiving unwanted information and THEN has to wait 90 days for them to correct their own error. Since I first called them XX/XX/XXXX, I have received XXXX more credit card offers for a business I have no association with. 

While the people are nice I am particularly disappointed that it takes 90 days to resolve this problem, exposing me to more risk.

Company response to consumer: Closed with explanation