BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Tower Loan has stolen my identity and repeatedly pulls my credit without my permission Tower Loan has damaged my credit Tower Loan has damaged my family Tower Loan has racially profiled me as African American Tower Loan has violated my civil rights Tower Loan has stolen my identity Tower Loan has used my identity without my permission over and over again Tower Loan is breaking the law. Tower Loan must stop using my credit or I will go to the XXXX police department and press charges against management. I have already spoke with a detective at the XXXX Police Department.

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 2021-04-21
Company: CURO Intermediate Holdings
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i got a email from XXXX about a debt i know nothing about threatening lawsuit and other action they listed old info but did have my ssn so that worries me. not sure what action can be taken to stop this, i'm sure they trick some people into it and just want others to be aware

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONLINE COLLECTIONS reported their account to my credit files on XX/XX/2020. ONLINE COLLECTIONS received a validation notice from me via priority mail and ONLINE COLLECTIONS did not respond with validation that proves their account belongs to me. I also requested a letter from an authorized representative of ONLINE COLLECTIONS and my request was ignored. 

Recently I mailed all documents to each bureau involved. 

ONLINE COLLECTIONS is reporting to XXXX, XXXX, and XXXX  as Collection Department / Agency / Attorney. 

ONLINE COLLECTIONS is a debt collector for XXXX XXXX and ONLINE COLLECTIONS is not an accredited legitimate business and I dont know they received my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: FL
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 discovered in my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-01
Company: EQUIFAX, INC.
State: VA
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:
Equifax trying to say they can not remove an inquiry from XXXX XXXX XXXX unless I file an FTC XXXX Then when I do and provided the reference no it was not enough. They wanted the actual report. I did that. I sent monthly letters including my drivers licence, lease, and utility bill each time certified, and proof of mailing XXXX, XXXX, XXXX, XXXX, XXXX. They I file complaints with CFPB and they need additional time to identify me claiming they have no record and request additional information for the 6th time. 
Then I receive a postcard they can't identify me. I call Equifax twice they question me with security questions, require a process each time a security link of my pictures is back, front, and live photo of me. Then out me through and claim they have to have it by mail. 

This is crazy ugly over 1 inquiry that I have a letter from XXXX XXXX  that it is unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I sent a certified letter to Bull City Financial Solutions. The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/2022. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Guest initiates malicious chargeback via Paypal. Since I don't log in to Paypal often, I didn't find out in time. Resulting in the payment being automatically refunded by Paypal. After I found out, I contacted Paypal and they didn't accept my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXX XXXX. A licensed Mortgage Professional XXXX XXXX XXXX XXXX was trying to assist us. XXXX XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was XXXX  with a XXXX score. At the end of the credit report gives information as to why Equifax and XXXX could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, EQUIFAX. 
XXXX  : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from EQUIFAX that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following ite
ms of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than

seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
keep receiving XXXX  calls XXXX  insults from creditor, please remove from my credit report

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 2021-04-21
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 I sent a dispute letter, a affidavit I filled out and got notarized, a copy of my identify theft report from XXXX, and my drivers license along with my social security card to the Equifax consumer disputes department about the inaccurate and unknown things reported on my credit file. In addition to this I sent a follow up letter and called them on XX/XX/2021 60 days later hoping I would get a response or my items disputed. Til this day over 90 days later I have not received a response or reason other than to submit a dispute letter which I already did twice at this point. I feel like Im being taken advantage of and being ignored my disputes. Section 611 A plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove these items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress youve caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, the company run my credit without asking for my permission. It caused a hard inquiry on my credit report. I called the customer service to remove it ; they didn't fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: William D. Meeker Enterprises, Inc.
State: AR
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:
On XX/XX/XXXX we called XXXX XXXX. XXXX XXXX. I never spoke to them at any point in the conversation. My wife spoke on my behalf while I was present. My wife did not give them permission from me or herself AT ANY TIME to do any soft or hard inquiries on my credit report. They decided to pull my credit anyway on the XXXX and the XXXX. This is a direct violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Aargon Agency Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Aargon Agency Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Aargon Agency Inc., continues its collection efforts, I will file for litigation for actual damages caused and Aargon Agency Inc., shall be liable for violations of XXXX XXXX, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-02-12
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, my XXXX XXXX account was used to purchase {$860.00} worth of items from XXXX. This purchase was fraudulent. It was made without my knowledge or consent. I was contacted by Chase by an email alert of the transaction. I immediately contacted Chase and notified them of the fraud. I changed the shipping address for the items on XXXX from one in California to my usual XXXX shipping address in Alabama. When the items arrived, I returned them to XXXX. I have proof of the return. 
The fraudulent charge first appeared on my statement from Chase dated XX/XX/XXXX. I contacted Chase when I became aware of the fraudulent charge. Their Fraud Department said they investigated the fraudulent transaction. Their response was that I am liable for the charge since my account was used to make the purchase and the purchase was shipped to my address. 
I complained to Chase by phone a second time and received the same Fraud Department response. It is true my XXXX XXXX account was used to pay for the items purchased at XXXX, and it is true they were shipped to my address. However, it is also true the charge was fraudulent I DID NOT CONSENT TO THE PURCHASE AND IT WAS MADE WITHOUT MY CONSENT. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, DISCOVER FINANCIAL SERVI failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paramount Recovery Systems XXXX XXXX XXXX. 
XXXX XXXX XXXX TX. XXXX Placed fraudulent medical debt on my XXXX & XXXX, credit reports. I have dispute this fraudulent information with both agencies. Paramount Recovery never contacted me directly as required by Federal Law, concerning this alleged debt. I would have disputed the debt in question and demanded full validation as is my legal right under the law. This alleged debt can not be legally Validated as mere verification is insufficient under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started my 1st refinance process in XX/XX/2020, I supplied ALL documents they have requested. I paid out of pocket for my appraisal which was promptly completed. Hee 's where my problem comes- They have done 2 hard inquires on my credit causing me to take a total of a XXXX point hit. They have taken so long to complete the process and keeps asking for the same documents over and over even though already submitted. 
- I have called them several times and have received NO information on how or when this process will be completed. Calls go unanswered. My last loan officer QUIT after doing a credit inquiry just a few days ago. Since then it's just a run around in circles. PLEASE INVESTIGATE THIS COMPANY. LOOK AT THEIR REVIEWS I AM NOT ALONE. HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I'd like to get a credit card from Barclaycard because they are the sole issuer of JetBlue co-branded cards. 

Each time I apply, they deny me without pulling my credit report citing unsatisfactory account history with Barclaycard. 

I previously had credit cards with Barclaycard. For some reason they won't tell me they decided to close my cards on XX/XX/. It has been more than 7 years since this passed and yet they won't issue me a credit card. 

As a XXXX area traveler it's very important to me to have a JetBlue co-branded credit card, and since Barclaycard is the sole issuer of JetBlue cards I find myself in a bind due to Barclaycard 's lack of consideration in issuing me a credit card.

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 2022-02-11
Company: SLM CORPORATION
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a debt that was sent to XXXX XXXX from Sallie Mae. I settled the debt out with paying less than I owed last year in 2021. I received two 1098- E statements issued for the amount {$3300.00}, but with separate Lender Name 's and TIN. I am unsure which one I should use to file my taxes, which I have been transferred several times and have gotten no where. 

XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX Why would I receive two 1098E statements for the same debt. Also, I received a 1099C on the canceled portion of the debt, but per Notice XXXX that lenders are not required to, and should not, issue Forms 1099XXXXC when certain student loans are discharged. Lenders and their servicers should act now to review their tax reporting procedures for compliance with the Notice. 

Based off review of the notice, it pertains to private student loans, which this company collected on behalf of Sallie Mae, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount.

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 2021-04-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have received information on debt that Jefferson Capital is attempting to collect a debt that verified as identity theft. XXXX XXXX completed the full with the provided information of the police report that I provided to them, this debt is not mine and should not be attempted or reported on my credit report.

Company response to consumer: Closed with explanation