BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I took out a loan with Speedy Cash somewhere between XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/XXXX and contacted Speedy Cash on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from Speedy cash until I blocked their number on XXXX.They have now reported me to a collection agency called XXXX XXXX XXXX and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and Speedy Cash was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX the phone number and in the comments section it states that this is a debt collector for Speedy Cash.He asked me to verify my information and I responded I will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: TX
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:
Company claim they verified this On XX/XX/2018 I checked my Equifax credit report, I notices two accounts on my report that not mine .I disputed this threes times with Equifax and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Equifax to remove this account due undocumented proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX I bought a XXXX XXXX XXXX from XXXX XXXX dealership in XXXX XXXX, LA. I agreed to a 2 yr lease and was told after that I could return the car for another one of my choice. When the time came along. They had no information on the loan. I lost my job soon after and the car was possessed. I was never notified that i had a court date, however my check began to be garnished then i recieved the notice. Whenever I called the company they said I owed XXXX would like to sue them for fraudulent contract, economically targeting poor people and minorities. Also I would very much appreciate it every case be investigated individuality and ALL unfair wages be compensated. As well as criminal charges be bought on the ones responsible. Lastly I request that the company be shut down or sold.

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 2021-02-09
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 information incorrect

Complaint:
account XXXX XXXX  reported false information t 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 explanation
Consumer complaint received 2021-09-09
Company: AMA Advisors, LLC.
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: Account status incorrect

Complaint:
I filed a complaint against XXXX on XX/XX/XXXX. I am reaching out today Wednesday, XX/XX/XXXX, regarding the same issue of an incorrect XXXX code that was reported on my XXXX credit profile. I want CFPB to note that this is the fourth time complaint now that I have filed against XXXX for the same exact issue which still has not been corrected. I am respectfully requesting that CFPB recognize that XXXX is not resolving issues but creating more problems. I am due to close in a few weeks and need this matter expeditiously resolve. It is frustrating that I have already submitted three previous complaints for the same exact issue with the last complaint dated XX/XX/XXXX Report # XXXX, and prior to that was XX/XX/XXXX - Report # XXXX. 
We noticed the issue when my mortgage company pulled my credit on XXXX  XX/XX/XXXX, it was the same exact information as the previous report pulled dated XXXX  XX/XX/XXXX. Nothing was changed or properly updated by XXXX and still has not as of this date. XXXX report still shows the final reported XXXX  codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. I am scheduled to close by XX/XX/XXXX. This is time consuming and extremely frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect XXXX code that is still being reported on my XXXX credit profile. 
I am unable to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold in a normal sale and the third mortgage ( XXXX  ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that when an account is closed the final XXXX code reported should not be anything other than a XXXX. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX  closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX - Collector Thursday, XX/XX/XXXX - initial call XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I have received follow up calls every week day since, even though in the original call I told them I would call back myself when I had any new information for them. I am being harassed and want it to stop immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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: Investigation took more than 30 days

Complaint:
I filed a complaint against Experian XXXX, gave them numerous copies of my Drivers license and social security card, sent them copies of certified mail receipts and copies of all the letters sent to them, and instead of addressing the dispute and just removing the inaccurate information, they are now saying they do not believe I am who I say I am. As to their requirements I have provided ALL the required forms of identification, if they want my W2 with my current address, utility bills, vehicle registration, doctors note, note from my pastor, I can provide it all. This is just another stall tactic as they have been doing for the past few months because they do not want to do what they are required to do under the rules of FCRA, and believing I will give up and go away, I assure you I will not, as a matter of fact I am now filing complaints against them with the FTC and XXXX  today, and plan on researching any other agency that can help get this problem resolved since the CFPB seems to just pass along notes like little kids in elementary school instead of having a representative respond to the complaints being filed.

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 2019-02-11
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX and XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: MA
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:
Experian, XXXX and XXXX are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded.

report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or

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 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I was charge for and Unothorize Transaction From XXXX   and I never authorized this transaction with XXXX for the amount {$240.00} I never purchased anything with XXXX   and I made a Dispute with Capital One Credit Card and the charge was Reversed and the transaction was Rebill and I never made this transaction with XXXX   and this is Fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: AZ
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:
I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2020 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ad Astra Rec not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Circle Internet Financial
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I downloaded an application called XXXX XXXX on my phone. My mom sent me a total of {$100.00} and she sent it through the application XXXX XXXX which I had just set up an account and linked my debit card to the XXXX XXXX account it said that I received {$100.00} I went to go cash out so I could put it on my debit card and it said that they were reviewing my account and that it could typically take up to 1 to 3 business days. It has been more than 3 business days now and it says they are still reviewing my account. Now they didn't state that they were reviewing my account until I tried to get my money out. I have since then XXXX XXXX XXXX and I am not the only one that this is happened to. I believe that they are a scam. They are scamming a lot of people out of money. I just want my hundred dollars my car broke down and I was depending on that hundred dollars to add to the money I already had so I can buy a new car. I just want my money that's it. XXXXXXXX XXXX has a horrible way of responding. You can tell that they are automated messages and that you're not speaking personally with anybody. Please help me shut down XXXX XXXX. I do have a lawyer I would like to go about this without involving him being that it is just {$100.00}. But if I have to I will. Thank you guys so much for your help and I hope that this gets me somewhere. Thanks so much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage at Citimortgage. The second to the last payment ( XXXX ) I paid {$250.00} extra towards the principle. The escrow account had enough in it to pay off the balance. I have a confirmation number for this transaction ( done over the phone ). This was not done, but my mortgage was sold to another lender, XXXX XXXX, ( XXXX ), and now it will cost me about {$50.00} more dollars to pay it off. I have called twice to Citimortgage, and been told that there is nothing they can do about it now, the loan is with the new lender. I called XXXX XXXX, and requested a payoff, and it 's been over a week, and have received nothing.

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 2020-05-07
Company: EQUIFAX, INC.
State: MA
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 in the process of applying for a mortgage. I was notified that I needed any disputed remarks removed from my credit report. I had disputed remarks on XXXX and XXXX accounts. I am NOT disputing those accounts, I simply need the remarks removed to proceed with a mortgage application. 

XXXX  and XXXX  removed them within 24 hours of my phone call. It has been almost four weeks and almost 10 phone calls, multiple " investigations '' ( that I didn't even ask for ) and Equifax still has NOT removed the remarks. Instead they have opened multiple investigations. 

The remarks were never removed. Called back numerous times and told the same thing, instead disputes were opened on my account. I called on XXXX and was told they'd be off by XXXX. Again, nope. Called again on XXXX and said they would cancel the dispute and remove the remarks. This morning, XXXX, I received an email saying the dispute was over and a PDF on the website states the remarks were removed. However the comment still says 'CONSUMER DISPUTES - REINVESTIGATION IN PROCESS '' I first called on XX/XX/XXXX, was told the remarks would be removed within 48 hours. In the dispute center on Equifax 's site, the first was opened and closed on XX/XX/XXXX. I am attaching screenshots for each account, you will note that on the XX/XX/XXXX report it says that 'The Explanation Previously Attached to this Account has been Deleted ' for both XXXX and XXXX . However below under 'Additional Comments ' it STILL says 'Consumer Disputes this Account Information ' ( under XXXX ) and 'Consumer Disputes After Resolution ' ( under XXXX ). On the XXXX report it says : 'The Explanation Previously Attached to this Account has been Deleted ' however below under 'Additional Comments ' it says 'Consumer Disputes - Reinvestigation in Process ' under both XXXX and XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: NJ
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:
My fraud and identity theft issue first began on XX/XX/2021 on which date my XXXX e-mail account and XXXX XXXX XXXX account were both hacked and compromised. I immediately changed my XXXX e-mail account password and regained control of that account. I reported my XXXX account as hacked and compromised but still am unable to obtain access into that account as there is a 2-step verification ( 2-factor authentication ) code generator which was activated by the hacker. 

I received an e-mail alert from XXXX XXXX on XX/XX/2021 that a hard credit inquiry for a home mortgage loan was placed on my credit reports for XXXX, XXXX, and Equifax. The lender appearing on each of my credit reports as making the inquiry is XXXX XXXX XXXX. I immediately contacted XXXX and was informed that they did not have any records of a home mortgage loan or credit card applications in my name or social security number. Therefore, XXXX further advised that there no records of them checking or inquiring into my credit. 

I then contacted each of the 3 credit bureaus and filed disputes for the inquiry and also placed credit file locks, security freezes, and fraud alerts on my credit accounts. The inquiry dispute has already been resolved with XXXX as they deleted and removed the inquiry on my credit report. The disputes with XXXX and Equifax are still open and remain pending at this time as the hard inquiry still appears on my credit reports with them. 

I also filed complaints with the Social Security Administration - Office of Inspector General, the Internet Crime Complaint Center, the Federal Trade Commission ( IdentityTheft.gov ), and my local police department ( XXXX NJ ).

Company response to consumer: Closed with explanation