BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was rejected for a loan Net credit then calls and says I may have one. Gave me an account # that does not exist. Help phone number says I do not have an account. Sent verification money of XXXX and said they expect it returned immediately ( Friday XX/XX/ ) but absolutely refuse to tell me where. Web site mentions address for paper check but not any name or entity to send money through your bank. Unnamed female calls and will not accept terns of repayment applied to the XXXX saying we can't just let you keep the XXXX instead of the XXXX. 
Two XXXX men but? Answering machine is a womans voice. PDF says terms agreed to but if there was an electronic signature I did not sign any. Why won't you just let me keep the XXXX ad repay that?? Because it comes from somewhere else. XXXX man XXXX XXXX says in threat email its federal money. No loan company does that. Transportation alliance bank does not exist. Unnamed female listed all stores possible like XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc where I could go to resend the money bit not where. Address and po box are paper checks not email instant repay. When I said XXXX XXXX she said? Nothing. No answer. 
Compassion? A little. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and her insistence that I give back money she won't even tell me where to send compounded by threats including terrorizing me when I get very little in govt benefits and refusing to even accept repayment terms applied to the XXXX. 
I am being deprived of all my rights by the state of Oklahoma including refusing me access to my XXXX parents and guardian even the police are stalking me and for 28 years are tracking my every single footstep and studying me like an animal I have no real viable caseworker nor social services. My mama is frantic. I am now being threatened by NetCredit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Pioneer Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX we enrolled in a Debt Consolidation Program, trying to pay our debts instead filling a bankruptcy. We signed a contract with Pioneer Law Firm, PC where they promised at least reduce a 35 % off the debts, we enrolled 8 accounts to be paid, after 4 years we finished with our payments and resulted that we just paid 3 out of 8 accounts, and now we are more than " welcome '' to pay the rest of them out of our pocket, and we already paid one of them out of the program ( XX/XX/XXXX - XXXX XXXXXXXX ). We received another collection letter that I sent it to them to start the negotiation ( and pay it out of our pocket XXXX but they said they are unable to help us because we already are out of the program ( since XX/XX/XXXX ) due the inactivity, that occurred because we are not making the payments through them anymore. ( Of course, this has an extra cost for the administration fees ). They included the Litigation Support Services in the contract and 3 of the accounts already filled summons against us. But they denied the service because they closed our program. We have pending 4 more accounts to be paid. We made 48 payments of {$990.00} as we agreed in our contract to negotiate 8 accounts with the total of {$74000.00} So far, we learned that you always could negotiate with a creditor without the " help '' of this companies, but what can we do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-26
Company: McCarthy, Burgess & Wolff, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Our business has gotten multiple letters and calls from McCarthy, Burgess & Wolff claiming they are attempting to collect a debt owed to XXXX. We contacted XXXX and there is no outstanding amount due to them. This appears to be a scam common with this particular company, as many other people claim they have been contacted about a debt they do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Greetings Im a previous account holder at Chime. I had a checking account with about {$40.00} & a savings account with about {$2300.00} that was closed once I tried receiving government issued funds. 

Intitally when the accounts closed on XX/XX/2021 I was told that I would be receiving a check for the remaining amount of money in the next 90 days but never received it. However on XX/XX/2021 I received an email saying if theres any balance due a check will be mailed to the address on file. 
As I waited to receive the missing funds on XX/XX/2021 I received another email saying Upon carefully checking your account, I can see the check has still not been sent out. I wanted to let you know that I've escalated this issue and our team is making progress on your request, and we just need a bit more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Mr. Cooper Group Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My grandmother recived a reverse morgage thru champion reverse morgage in XXXX ( a line of credit ). She past away in XXXX leaving me as one of tge surviving heirs to tge property i found her reverse payment and filled out the paper work for life rights as such should be grantted. They have since started forclosure on the home. Charged inspection fees for inspections that never occured, have not kept the property properly maintance to the point that i have done and incurred all charges for maintance and major repairs. Includung major leaks, electirical issues and possiable structual damage, charging for insurance priemiums but stating that i must pay preiums but have no home insurace. My home has now been deemed unfit for habtation making me and my family XXXX withoit warning. I have in the past reached out to champion mortage so to adress all issues to no prevail. Only getting ran around told to call one companie to the next. My grandmother never completed the counseling needed and deemed a must to receive the reverse mortage. Also purchased life credit on the loan which in turn would paY the loan off in full in the event of her death. Not to mention the loan was given under false pretences and should have never taken place putting my granfather as the co- borrower ; whom passed long before my grandmother. I belive in XXXX and the loan counselong never taking place Also the home has mold and what i belive is asbestis in the attic. ALONG WITH BEING deemed unfit they are adding taxes on the life of the loan tgat are also being assesed to myself. I am not able at this time to gather the Property paper work due to it beong deemed unfit aNd not having the appropriTe contact information and endless companie run around to recievive permission to enter the premisses. So i therefore am in threat of loosing my home and all belongings including family pictures and airlooms

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I asked XXXX to look into a XXXX dollar debt I seen pop up on my credit score. They never notified me that an investigation was going to happen or did happen. In fact I had to check the website less that 72 hours later to find that they said the information was correct when in fact I know it is not and I can not seem to get the removed from my credit or get a proper investigation into what this is. This debt says it was bought from another company. It was bought illegally without any signature from me and I was not given any proof of how this could be mine.

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 2021-08-26
Company: Southwest Credit Systems, L.P.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Southwest Credit Systems XXXX XXXX XXXX # XXXX XXXX, Tx On XXXX XXXX, 2021, Southwest Credit Systems added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$460.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Roadrunner Account Services, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Road Runner Financial XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Application ID : XXXX Hello on XXXX  I applied for an extension of credit. I received an adverse action letter stating I was denied. I am not attempting to be troublesome nor am I outright disagreeing with your company 's decision. I would just like to know what laws and procedures were used to come to this determination. 

Companies procedure does not supersede federal law. This is a direct violation of my rights of consumer 15 usc 1602 ( f ) tell me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority, and I received no benefits. Now I would hate for this situation to escalate. I am sure you're just doing your job, but I would now have to hold you personally liable for this.

Federal Reserve section 16 part 2 says my application was the collateral and it says that the collateral is worth dollar for dollar for the value of the federal note that was taken from the federal reserve bank. So, since those Federal reserve notes was exchanged they wasn't even exchanged so I would like to use the credits that arised from that transaction. I would like to apply it to the principal account. 

Also, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants. I have been discriminated against, on the basis of race and defamation of character.

Company stated they couldn't give me the reasons I was denied requested to speak to manager they took my name and number and stated a manager would call me. No one Called me back. 


XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX the XXXX I mailed a certified letter to Trans Union along with my drivers license and advised them to correct my personal information as well as the disputes. The letter arrived on XX/XX/22 by certified mail and when they sent the report back the information that I had requested had not been update. I did not receive the update credit report. I did not receive information on how the their information is validated and with what system. I requested a signed contract of all disputes and I was not provided any information or updates. I am not quite sure of how Trans Union is conducting legal operations because everything this company is doing shows to be illegal.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I filed a dispute with wells fargo ( claim number XXXX ) and as strange as it sounds - wells fargo refused to actually process and investigate the claims. I first noticed that there has not been a provisional credit issued- so I called. and I was told the claims department would selectively process claim ( strange ), and because it is a higher amount, they might choose to delay it. 

My claim has been stuck for the past 3 weeks with no updates- when I called to ask, no information is given either. 

I am filing a complaint so that my claim can be properly investigated and taken care of. I am uploading additional information for the claim here as well.

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 2023-03-25
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Credit Reporting for their inaccurate reporting of mXXXX XXXX XXXX XXXX XXXX ( Revolving ) account number : XXXX. This account was opened on XX/XX/2021. The information being reported by Experian Credit Reporting is inaccurate and is violating several laws, including the Fair Credit Reporting Act. 

I have reviewed my credit report and found that Experian Credit Reporting is reporting inaccurate information regarding the addresses associated with this account. They are reporting the following addresses : " XXXX XXXX XXXX XXXX, CA XXXX '' and " XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. '' However, I have never lived at these addresses nor have I authorized XXXX XXXX to report these addresses or account to Experian Credit Reporting. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, Experian Credit Reporting has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit.

Moreover, as per 15 USC 1681b ( 1 ), credit bureaus must have written permission from consumers to report their information. However, Experian Credit Reporting has reported my XXXX XXXX XXXX XXXX  ( Revolving ) account without my written permission, which is a clear violation of this law. 

Furthermore, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by Experian Credit Reporting. According to 15 USC 1681s-2, 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 credit bureau has been notified of the inaccuracies, yet they continue to report false information. 

Therefore, I demand that Experian Credit Reporting delete the inaccurate information immediately, including the incorrect addresses associated with my XXXX XXXX XXXX XXXX ( Revolving ) account. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against Experian Credit Reporting and ensure that they comply with the laws that protect consumers ' rights. 

Thank you for your attention to this matter. 

Sincerely, 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 2021-09-06
Company: Experian Information Solutions 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 status incorrect

Complaint:
I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from them firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated. 

1. The following accounts has wrong balance : XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of EducationXXXX account number XXXX and XXXX, XXXX XXXXXXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXXXXXX account number XXXX and XXXX, and XXXX XXXXXXXX account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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 items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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