BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2023. Ive had many loans at tower loan in XXXX mo. I fell upon hard times unfortunately and can not pay this one and believe me i feel horrible.i called to let them know my decision to file bankruptcy i guess the gal i talked to had me on speaker.Immediatly the manager got on the phone and let me have it. I couldn't get a word in he kept yelling at me I couldn't give him the attorney name and number that will be handling the bankruptcy nothing he wouldn't listen to me and continued ranting and making me feel like XXXX. I finally hung up on him I was in tears So today XXXX he calls my cell while I'm at work I didn't answer then 1 minute later calls the work phone. I'm pretty sure this harassment and is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Zions Debt Holdings
State: AZ
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:
COMPANY AT FAULT : ZION DEBT HOLDINGS LLC THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX  ALREADY NOW THIS COMPANY ZION DEBT HOLDING LLC, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN XXXXXXXX XXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: State Collection Service, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
State Collection Service , Inc. initially mailed me on XX/XX/XXXX which was received on XX/XX/XXXX with a letter telling me I had 2 accounts each of {$2100.00}, that were in collections with them. This was the first contact I had had with them. 
I sent them a certified debt verification letter that was received by XXXX XXXX on XX/XX/XXXX to which State collections never responded to verify the debt, leaving themselves open to litigation. 
On XX/XX/XXXX another letter was sent by State Collections which was received by me on XX/XX/XXXX informing me that this unverified debt is seriously delinquent. 
I believe the debt to which they are referring to is part of a debt currently being disputed in court with both the insurance company and provider and will soon be dismissed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX & XXXX XXXX XXXX XXXX : {$4600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Date of Inquiry : XXXX ; XXXX Mortgage Ser Date of Inquiry : 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 explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2018-08-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below on my Auto Loan and it's also reporting with multiple inaccuracies which is a state and federal violations. 

XX/XX/XXXX XX/XX/XXXX & XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Request Home Modification itemization of charges to justify loan of {$730000.00} from current service provider Mr.Cooper. I was told by XXXX representive is that a breakdown of charges would be sent to me, and I never received it. when original loan amount was {$520000.00}. Request itemization charges for additional loan amount of {$220000.00} added to my original loan. My current service provider Mr.Cooper do not have itemization of charges from the modification on loan and transferred paperwork from previous provider XXXX shows loan was {$560000.00} when transferred to Mr.Cooper. XXXX and Hope counselor do not have itemization of loan modification either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: NFM, INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXXXXXX  and my loan company continues to send me new XXXX Statement containing false tax information resulting in an increase of my monthly mortgage payment from {$1000.00} to {$1900.00}, which I can not afford. In addition, the mortgage company failed to pay taxes for the 2nd half of XXXX which resulted in delinquency charges and interest payments totaling over {$400.00}. 

I have reached out to the lending company on multiple occasions via email and phone without any resolution. I reached out to them via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and via phone call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have provided the lending company with tax bills from XXXX, XXXX and XXXX which are also readily available through the XXXX of XXXX. I finally received a letter today that the mortgage company has made a slight adjustment and lowered the monthly mortgage payment by {$200.00} however they are still basing this amount on false tax information. 

My XXXX city taxes are {$3400.00} and the mortgage company is claiming that the taxes are {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized hard inquiries from this company showing on my credit which is affecting my financial situation drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a an initial fraud alert on all three credit bureaus on or about XX/XX/2023, yet there has been hard pulls on my accounts after this date. 

I have contacted all of the credit bureaus and could not get them to remove these sham/bogus/not initiated by me checks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
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: Information is missing that should be on the report

Complaint:
CBNA XXXX is not reporting to XXXX. Please make sure this is reporting to all major credit bureaus

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 2023-06-28
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:
I am writing to dispute the presence of inaccurate accounts on my credit report, as well as inconsistencies in the reporting of collections and closed accounts across the three credit reporting agencies. These discrepancies violate consumer protection laws, as consumer law mandates that all information reported across credit bureaus must be accurate and consistent. I have thoroughly reviewed my credit report from [ XXXX ], [ EQUIFAX ], and [ XXXX ]. I have marked up the report, highlighting the following issues : 1. Collections : The collections accounts listed on my credit report differ significantly across the three credit reporting agencies. For instance XXXX is Reporting XXXX XXXX  as Collection Status CLOSED, Date Open XX/XX/2023, Last Activity XX/XX/2023 and most recent adverse rating as Collection/Charge-Off. Then If you look Directly at EQUIFAX Credit Agency it Reports XXXX XXXX XXXX as Collection Status OPEN, Date Open XX/XX/2023, Last Activity XX/XX/2023 and most recent adverse rating as NO DATA AVAILABLE. But Paid Charge/off Which I HIGHLIGHTED. Mean While XXXX XXXX XXXX is Not Reporting XXXX XXXX  its actually NOT FOUND!!! that account doesnt even exist on my credit profile with XXXX nor does it shows up, just as stated I have no claim to this alleged Collection and should be reported as Status CLOSED across all 3 Credit Agencies leaving XXXX & EQUIFAX being the only two Credit Agencies left to Update to the correct status & removal of the alleged Negative Collection account from my consumer report immediately. I have attached a copy of my credit report with clear annotations and markups, illustrating the highlighted discrepancies. These discrepancies not only undermine the accuracy of my credit report but also create confusion and potential harm to my creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
Contacted them 9 different times on in the last 5 months MUTIPLE times. 
Late fees are keep being applied to my account. The merchandise I ordered was never sent to me. I keep getting applied interest to the account. I got a police report on file and a detective trying to investigate. But American Express does not care about my problem and just wants my money. There is multiple cameras outside my residence that proves my statement of me not RECEIVING anything. But they call me a liar which is very unlawful and illegal. I dont have a say because XXXX XXXX XXXX? Im not a criminal or ever been one. 
I keep trying to reach out to the American Express customer service and they just put me on hold for long periods of time and transfer me to another employee where I have to keep repeating myself about the problem. I beg you please help me. This is illegal FRAUD. American Express is doing against me. Im a XXXX  XXXX  that is being cheated out of his rights. What do I need to do?? I have filed a dispute but they keep denying me and being very disrespectful to me. I have multiple LEGAL RECORDINGS OF THE EMPLOYEES SAYING THEY DISPUTE THE CHARGE BUT I KEEP GETTING CHARGED LATE FEES AND INTEREST FEES. How come this company doesnt help me??? Please Im desperate for help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05
Company: Checkr, Inc
State: DE
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: Investigation took more than 30 days

Complaint:
Over XXXX days ago I credit report was run on me for XXXX in the middle of XX/XX/2023. They said they had to wait on something to come back from XXXX  that was showing up on my background. I told them I never let the XXXX and never been there. I called XXXX. They said it was a male and they were white I informed XXXX and checkr what the issue was they neglected to fix the issue and each time that I call email or corresponded with them they say the same thing at each time on checkr the date gets pushed back for my background. This is an accurate information on me that is affecting my livelihood and causing a hardship cause its mistaken identity and they are not doing anything about it but giving me the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: FISERV INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THERE WERE AN ACCOUNT OPENED IN MY NAME A FEW YEARS BACK I BELIEVE THE NAME OF THE BANK WAS FIDELITY AND THE ACCOUNT WAS CODED AS FRAUDULENT. WITH THIS ACCOUNT BEING CODED AS FRAUDULENT MY ACCOUNT THRU ANOTHER BANK CLOSED MY BILL PAY ACCOUNT BECAUSE OF THIS. I HAVE MADE SEVERAL CALLS AND LEFT SEVERAL MESSAGES TO THE FRAUD DEPARTMENT AT FISERV TO GET THIS REMOVED. BUT A MONTH LATER NOBODY HAD RETURNED ANY OF MY CALLS AND THE MATTER IS STILL OPENED. I WANT THIS ACCOUNT CLEARED FROM MY NAME AND SOCIAL AS IT WAS OPENED WITHOUT MY APPROVAL AND IT NEEDS TO BE DONE ASAP AS IT IS HARMING ME.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: AZ
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 Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX Funding, Account name : XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX Portfolio Recovery proceeded to make via contact skip trace to a phone number of relative. Instead of trying to locate me the informed the individual about my debt, the amount owed and a letter they sent out which I never received. My understanding is that my debt information can not be shared with anyone who is not associated with the account and/or granted permission by me. I have not given any one permission to receive information about this account. After they disclosed confidential information regarding my account they then told the relative that it was against the law to contact the original debtor which is not true. They continued to fall harass and threatened the relative until the relative ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: GA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : U S DEPT OF EDXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX XXXX paid off Balance {$4.00} Balance updated XX/XX/XXXX Original balance {$4.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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