BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is my second attempt to get this item deleted from my report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. The company has already written off this debt them reporting this item is tax fraud. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my loan in full on XX/XX/14. The company then continued to remove funds from my bank ( ~ {$320.00} ) after I had received notice that I had paid off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/2019 ; US Collections West , Inc. acting on behalf of XXXX XXXX /XXXX XXXX   placed two credit bureau marks on my XXXX Credit Report. I placed a call to the collection agency and advised them that the debt they are attempting to collect was not valid because litigation has not been completed due to a pending appeal in the XXXX County Superior Court. 

I demanded that they remove the two marks and they refused to do so. I asked for validation of the debt including a signed judgement, from the appeals judge who is currently hearing this appeal, authorizing collection activity. As of the date of this complaint, I have not received any information showing they have a legal right granted to them by the appeals court allowing collection activity. 

On XX/XX/2019 ; I received a call from an agent named XXXX or XXXX XXXX from US Collections West , Inc. and I reiterated that she and her company had no legal right to collect since there is no valid debt. Ms. XXXX the proceeded to tell me that she would get her lawyer to force me to pay, and I was subjected to rude and hostile conduct while I was at my place of employment. 

I have disputed these two credit bureau marks but XXXX keeps reporting the invalid info as valid and confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: T.S. Holdings
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with XXXX they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson capital needs be removed off my credit report I pulled up my XXXX report and and saying closed and it doesnt even show up on my credit report for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I purchased my home in XXXX and after my loan closed and 2 deeds were recorded as it was a bond loan, the lender had to redraw docs -within the same month- and 2 new deeds were recorded. However, at that time, the original deeds were not reconveyed. When my loan was modified in XXXX, this was supposed to have been resolved. I am now selling my home and all 4 liens are still on my title. I have reached out to the service - Loancare- as has title and escrow with a request to provide a full reconveyence letter once the loan is paid in full and no one is assisting. For 39 days I keep getting tomorrow or we will call you back and nothing is happening. Now I am paying XXXX a day on the extension for the home I am buying that was supposed to close on XXXX and they will only extend until XX/XX/XXXX and my earnest money is no longer refundable. XXXX addition, my buyers for my home are requiring me to pay for their lock extensions and are threatening to sue me because I signed a contract stating I had a clean title which I clearly dont. Today is my dead last day and Loancare has opted to ignore my calls, emails and puts me on hold for hours at a time to come back and tell me that it will take some time. I dont know what to do. I am going to lose everything over their mistake and no one cares. I need help. I had a modification that they tried to fight but lost because they violated HIPPA and I feel like I am now being discriminated against for that, as though they want to punish me for needing help. This is clear discrimination and I am not able to do anything else

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have asked XXXX, XXXX and Transunion to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for incorrect information reporting on my credit. I have also requested for XXXX, XXXX and Transunion to remove XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information. 

15U.S.C 1681 section 602A. States I have the right to privacy. 

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent. 

15U.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. 

15U.S.C 1681c ( 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. 

Transunion and XXXX both failed to send me an update on the dispute I submitted. I called both Transunion and XXXX and they have both declined to send me a letter providing me an update of the dispute. When I asked them what information did they request from the creditors I am disputing on my credit, Transunion response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide basic information. When I called XXXX they provided general information on what they do on a dispute which was not helpful.

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 2022-12-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due date is on XX/XX/XXXX assessed a late fee on XX/XX/XXXX. Logged back in and they stated I was wrong and they changed the date of the late fee charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the 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 Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : -.

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 2023-08-27
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a prior complaint # XXXX in relation to this alleged debt. This company removed the item from all credit reports. On XX/XX/XXXX  I noticed a new item on my credit report, with the same original alleged debt. How could this be? How can the first company delete the alleged debt then sell the alleged debt to another company. It seems very illegal. I feel this is a bio violation of the fair credit reporting act because I did not receive any notification of reinsertion of this alleged debt and how can a company sell a debt they state they will delete and notify the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from Collection Bureau of America dated XX/XX/2022. The letter was invoicing for a debt from XXXX XXXX XXXX, a service I have never engaged nor of which I have even heard. 

The letter is addressed to a differently spelled name and references a service address to a city in a state where I don't live and have never visited. 

The Collection Bureau of America has been unable to provide any verification. Further, when calling the original service, they acknowledged that there is no phone number, name, address or other evidence associating this to me. 

The Collection Bureau of America should get paid, by the correct debtor ; that person is not me. There is nothing that would tie this to me, yet I am impacted due to their faulty business practices. 

The address on service from the original purchase is owned by an organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, that would be the ideal contact to start in order to find the debtor whom engaged this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 contacted chime to report XXXX XXXX chime card was stolen. XXXX is detained. XXXX filled out POA for finance so XXXX XXXX could resolve stolen chime card issue. On XX/XX/XXXX XXXX XXXX contacted Chime on Behalf of XXXX XXXX. XXXX XXXX provided proof of POA for finance. Requested account be frozen. Chime Requested photos of XXXX XXXX and XXXX XXXX to prove that he is POA for finance. XXXX from Chime member services replied. We have copies of email and copies of documents sent to Chimes fraud department. Thursday XX/XX/XXXX XXXX sent Email to fraud department because he had been trying to freeze account since XX/XX/XXXX when it was discovered that someone stole XXXX 's Chime card. XXXX emailedthem regarding {$3600.00} was stolen since we attempted to report the chime card was stolen..XXXX thanks XXXX via email and stated they would follow up. XX/XX/XXXX once again XXXX emailed to provide proof of POA for financial per request of chime. XX/XX/XXXX XXXXXXXX from chime Requested photos of XXXX XXXX and XXXX XXXX and copies of POA. Copies of POA and photos submitted. XX/XX/2022 XXXX member services specialist thanks XXXX and stated that they would review the documents. XXXX XX/XX/2022 XXXX contacted XXXX. He is from the chime escalation team. We want XXXX 's XXXX $ returned. We want a statement of charges to give to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX XXXX  ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : 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 or 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 data 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 explanation
Consumer complaint received 2019-04-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This debt collector is trying to collect a debt and when asked if we wanted to pay in full we said not at this time and we will when we get extra money. They tried to do automatic payments and we said no you guys called at the wrong time but we will pay it. They proceeded to threaten to find us at work and how they would ruin our credit.. this is no way to talk to anyone! 
XX/XX/XXXX I received 2 calls in a matter of 15 minutes.. my significant other received 4 times with having to hang up on them and now we might pursue speaking with a lawyer about the harrassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
I submitted a letter to Experian dated XXXX to update this suspicious information. I think you have not validated these accounts 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 XXXX, and I'm including it again. Please have these accounts repaired : XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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 2022-06-03
Company: Experian Information Solutions Inc.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # 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 a account without my written instructions

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 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One has been sending me these statements all these months with coupons attached to them and I have been paying by electronic funds transfer. The cestui que trust, XXXXXXXX XXXX, was set up to pay all my bills and because CAPITAL ONE have my social security number, what is taking place is a Trust Action- with me as the beneficiary and with CAPITAL ONE as the Trustee. As the Trustee, I would like to remind you that CAPITAL ONE, has a fiduciary obligation to act in a way that will benefits me. 

Coupon - XXXX XXXX XXXX XXXX XXXX : Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached... 

On XX/XX/XXXX XXXX XXXXXXXX I accepted the coupon offer at full value and mailed it to the proper address listed. It arrived XX/XX/ but my account has not been created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXXXX/XX/XXXX at XXXX I contacted Navient and requested a copy of the Promissory Note for the loan. I received the first piece of mail with a copy of the XXXX XXXX Application pages 1-3. Pages 4-11 explain the terms of the promissory note and no  promissory note with loan amount, term, interest, repayment and my signature validating a debt owed. 

On XX/XX/2019 I called back requesting for the promissory note copy to be mailed and representative stated it was mailed and the second should arrive the week of XX/XX/XXXX. I did not receive this document. 

I contacted Navient again todayXX/XX/2019 requesting the Promissory Note and representative stated in his system only one request was submitted on XX/XX/2019 and he has submitted a second one today, XX/XX/2019 and expect to receive no later than XX/XX/2019 ( 7-10 Business Days ). 

I asked the representative to pull the promissory note from his system. He stated there are 12 pages including the cover page. Pages 1-3 are the XXXX XXXX Application and pages 4-11 are the explanation of terms of the promissory note. I asked  representative where the Promissory Note that has the Loan Amount, Term, Interest Rate, and my signature and stated there is no document in his system. Representative repeatedly stated the XXXX XXXX Application stated the Loan Amount, the  interest rate, terms and my signature. I stated each page 's information, representative confirmed. Page 1 is the Borrower 's & Citizenship information, and College Information. Page 2 is Reference information, Co-sginer and Cosigner Citizenship. Page 3 is Loan Amount Requested, Loan Options, and Signature. 

Navient is required to have and be able to provide a copy of the Master Promissory Note, the legal document in which you promise to repay your loan ( s ) and any accrued interest and fees and explains the terms and conditions of your loan ( s ).

Company response to consumer: Closed with explanation