BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: Self Financial Inc.
State: VA
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:
Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXXSELF/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls 3 times a day, repeatedly twice and then once about 4 hours later. I already have the number blocked even though the first time I answered I told them I do n't have any outstanding debts to anyone ( only to my credit card, but then that would be them calling em instead of some scammer based out of Washington. )

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 2021-03-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX approximately we filed for homestead exempt on our property and have not gotten a response from our morgage company again this past year on XX/XX/XXXX i filled for a tax and property evaluation with XXXX XXXX XXXX district and was given a new home value and tax adjustments and have not gotten a response from the morgage company as well i have submitted a complain and said that they can only adjust and take action from the month of XX/XX/XXXX foward not all the back months of XXXX wich i think is unfair due to their lack of responsability and seriousness in the matter of the ir business

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 2022-01-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureau stated that they properly verified an account but I have proof that they did not verify this account. 

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor.

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2020-06-06
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I need to know if I got my card sent to me and if I have any money on my account

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 2018-01-11
Company: JH Portfolio Debt Equities, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The agent had offered on XXXX XXXX to do a settlement payment. I asked for it in writing so I can have documentation of the offer, and was told that was not possible. On the XXXX, I had informed the agent that I was working during the day and would like to have a number to call to settle the debt, the agent then began behaving irrationally and used some profanity, stated I was trying to avoid payment, where I then explained I am working so I can pay my debt. I requested to no longer receive calls. The company calls 3 to 4 times per day ( often not leaving a message ). Yesterday they called at XXXX ( left message ), at XXXX ( left message of them talking to other people ), at XXXX ( no message ), and at XXXX ( no message ).

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 2021-04-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2020, I have sent monthly  letters to AMEX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that AMEX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
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: Old information reappears or never goes away

Complaint:
I made an attempt to have an old account that was originally opened in XXXX removed. The Credit Reporting Agency is Experian. The debt collection is for XXXX XXXX. The date opened says XX/XX/XXXX. The balance is {$90000.00} this balance was historically proven to be incorrect based on my original court documents, signed by the attorney hired to both submit Divorce and child support. I originally agreed that as good faith effort to make transition for my kids a non burden, that I would make an additional {$50.00} payment bi-weekly only until {$2500.00} arrears was paid. The company collecting never removed the $ XXXX bi-weekly for 10 years the debt was accumulated, since XX/XX/XXXX. The debt is not fraudulently being reported to my checking account and FICO SCORE. I ask again as originally during my previous request for account reviews by the debt Collector. I also have to pay monthly payments of {$130.00} to the Collector that's not reporting. The debt is reported by Experian as a revolving Collections.

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 2022-01-12
Company: CITIBANK, N.A.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I cancelled a subscription service with XXXX XXXX, but Citi continued to pay them through my credit card. I disputed the charges twice on XX/XX/21, twice on XX/XX/21, four times on XX/XX/21, and twice on XX/XX/21. Citi decided they represent XXXX XXXX instead of their client, me, and sided with XXXX XXXX every time. I changed my credit card number, and Citi still allowed XXXX XXXX to charge my account. I called twice to inform them to stop paying, but Citi never stopped. The only way Citi would stop paying XXXX XXXX was for me to close my account, which impacts my credit score.

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 2021-02-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied in XX/XX/XXXX and after fulfilling all the requirements the bank will not give a response, allowing the documents to expire and not able to provide a response, this has happen up to 3 times during XXXX and the involved agents will not give me an explanation why taking so long that papers have to expire 3 times. Financial statements, covid attestations, credit pull every time again and again, which also damages my credit score etc.. In XXXX when i was expecting an answer, they just send me an email stating there is a new agent and has to start process again. 
So finally now in XXXX i decide not to continue with Suntrust mortgage lender institution. 
My credit is good XXXX, own a house Is there a bank negligence? 
3 times, every financial statement requested to my accountant has an additional charge and pull credits reports XXXX XXXX XXXX  Re : XXXX XXXX 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 explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States XXXX XXXX for the XXXX XXXX XXXX XXXX, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) Bank XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX Bank, account number XXXX ; 5. ) XXXX XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX Bank, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 2022-01-12
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
the case is against Mariner finance in XXXX NC. I have a lien on my vehicle with them. the vehicle is not working and is dead and there is nothing i can do about it because it keeps breaking down etc. i purchased the vehicle from XXXX on XX/XX/XXXX at that time, i let the previous vehicle go back to the original finance company, XXXX  XXXX XXXX XXXX mariner finance also had a lien on the vehicle. i explained to them that XXXX XXXX would be contacting them to pay the balance off so that the title could be free and clear after santander auctioned the vehicle off. mariner insisted i still keep the loan with them. so after i purchased the new vehicle, mariner wanted to put a lien on that one as well and they did, and only offered me like {$200.00} to do so. which i didnt like and they would call me multiple times trying to get me to pay them money on the loan. im a very sick person with lots of health issues and im a XXXX veteran. i explained that to them, to one of their employees, who insisted i drive to their location to sign some paper work etc. i kept telling her i get sick a lot and cant do anythinig like that and because im on lots of medications daily. i want nothing more to do with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled a copy of my credit report and noticed that there were 2 companies. 1.XXXX XXXX XXXX-REPORTING 20-LATE PAYMENTS. 2.XXXX XXXX-REPORTING 60 LATE PAYMENTS- listed on my credit report and they were reporting several late payments in which i disputed this information with the original creditors and noticed that transunion is still reporting these late payments on my credit report. i also send the credit bureau a letter certified requesting that they provide me any documents they have on file from the original creditor but instead my request and my letters have been denied regarding alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and or civil rights, making liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1,000+ per still unproven, untrue, inaccurate, untimely, incomplete, or elsewise not compliant item reported that is hereby now being challenged in writ composition legally a consumer compliant notice in demand for a check for compliance and further irrefutable evidence to such a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I very destressed that I found in my report items / inquiries that are not mine. The listed inquiries are inaccurate and I do not recognize none of them. Please delete it as soon as possible as its influencing my credit report. I have never signed any agreements contracts with these companies. Its a pure identity theft someone used my personal information. Please take appropriate actions asap.

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 2018-01-11
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:
I have multiple times have set up a dispute for items on my credit report with XXXX and Transunion regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1. XXXX XXXX  {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On XXXX  & Transunion XXXX XXXX XXXX for {$2800.00} 4.  XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police 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 2018-01-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed the debt but they never investigate it. in less then 24 hrs  they coming back to tell me that its correct i have try to dispute it numerous of times that they are saying they will not investigate it. and send collection letters and threatening letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the debt collector for a validation letter confirming that I owe the debt and she refused to send one. She said she would just process the collections order with the court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CHECK INTO CASH INC.
State: MI
Product: Debt collection
Sub-product: Payday loan 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:
on XX/XX/XXXX I was contacted by a company identifying as " XXXX pre-legal department ''. I was informed that my case was being forwarded to XXXX County Court in Michigan and that I was to be served with papers for a criminal violation stemming from a payday loan from Check into Cash. The charges could lead to jail time if I did not comply to repay {$2300.00}. The original loan was taken out in XXXX for {$600.00} but they claimed that fees were added. I asked for a validation of debt letter to be sent to my residence at that time. Latter that day I noticed they sent an email with an invoice that was created that day, I also noticed that there was no mailing address and nothing documenting the the various charges, just the amount due. I researched online and found nothing ligament about this company, only clams that they are scammers. I decided to ignore them. 

Since then every other month or so I would receive voicemails from various numbers on my cell phone and my work phone making the same claims and the same threats. I also received a message from my HR manager at work when she was informed that the police were on the way to arrest me over this matter. 

On XXXX XXXX I received a call from XXXX, the caller did not provide his name but informed that this would be in his office for just one day and I needed to call immediately to resolve the matter before it went to court. This was the same voice that has been on all messages that I have received. 

On XX/XX/XXXX I found out that they have also been contacting my sister and my mom informing both that I was to be arrested taken to court and that I would be charged with felony fraud and sent to jail for at least 6 months unless I paid them immediately, Understandably they were both very upset and called me right away Before he called them he also called me that day on both my phones as well that day, I did not answer. 
And once again today XX/XX/XXXX the same guy called me again with the same threats and stating that I would also loose my job after my XXXX XXXX. Both these times the phone number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Armor Systems Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX never responded to my letter in regards to a medical debt that they claimed i owed. I do not owe any medical debt from XXXX XXXX. I sent a written letter asking them to validate on XXXX/XXXX/2017 and verify that the medical debt was mine and recieved no response.

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