BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Loan Science, LLC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This initially began in XX/XX/2011until now, when I decided to investigate this loan company. The following is the claim that will be made in court against Loan Science, a company that claims they own some of my loans : 1 ) Plaintiff has made prior payments to Loan Science without investigating the validation of debt with this company until now. 
2 ) Plaintiff did not make a loan with Loan Science and no has no documentation with a signature and notarization approving Loan Science as an owner of alleged debt.

3 ) Plaintiff has asked the Defendant, Loan Science, for  verification of debt, but has been unsuccessful in gaining proper documentation to prove its ownership. 
4 ) Additionally it was requested that if the account has been sold to another creditor, then that creditor must prove that it has the right to collect the debt or state why the document can not be provided. If these loans were sold, the physical documents of the loans should be notarized and signed each time the loan was sold to prove ownership. Currently these loans show a company called XXXX XXXX as an affiliate owner, which has no address, phone number, and unknown active business status.

5 ) The documentation that has been provided to Plaintiff shows various companies that have bought and sold various securitizations of loans and companies that no longer exist, yet still holds alleged promissory notes.

6 ) There were exhibits that were omitted from the documents that were sent.

7 ) Requested but never received all the necessary information from Loan Science in an attempt to resolve this issue outside of court. 
8 ) Total current amount of debt Loan Science is seeking from Plaintiff is {$26000.00} 9 ) Monthly payments being paid to Loan Science is {$140.00} until paid off.

10 ) A complaint has been filled with Federal Trade Commission Online Portal. Reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: KY
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 tried to get the hard inquiries off my credit report but the customer service was no help at all. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I do not recognize and I called the creditor and they wont help me. 
XX/XX/2021 there were many hard pulls from XXXX  XXXX, and XXXX XXXX that I did not consent to and I have asked the creditors to remove them but they refuse to help. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I did not approve of and the company refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Contacting me about a debt from 2001. Calling me repeatedly. Calls come in and ask me my social security number ( last 3 ) my address, My phone number. I have asked them to stop contacting me  repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX 2020, My XXXX XXXX Account Was Hacked, My XXXX XXXX Account Is Link To My Debit Card Which Someone Hacked My Account And Made 3 Transactions Of XXXX XXXX In XXXX XXXX. Ive Made A Claim With Capital One Reguarding This, They Sent Me A Letter Stating 3 out Of 4 Of The Transactions I Am Responcible ForAnd They Will Be Taking A Total Of {$980.00} Out Of My Account And Also Closes All Of My Accounts With Them..What Ever Investigation They Have Done Was Not Correct, I Have Never Made A XXXX XXXX Transaction To XXXX XXXX In The Past Or Future

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a payment of {$680.00} for regular full XX/XX/2021 payment and an additional principle payment of {$8000.00}. 
They went ahead and allocated the payments incorrectly and not even close to how I directed them, this is fraud and a scam. They put the balance in unapplied funds account and paid 2 months of mortgage payments. Why?? I called them 2 days ago after discovering the error and was told it would be corrected. It is not corrected. I have to now call these XXXX again. They are stealing my time. These people are scammers, thieves and incompetent. You cant even make a simple mortgage payment online and make an additional payment and the system allocates the money as they want. Not as the customer directs. I made other similar payments this year and the payments were allocated properly. Prior to this year, while checking the box to make an additional payment, they also pulled this same scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: GA
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:
The unverified account listed below continues to report on my credit report, in violation of federal law. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If Experian does not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Balance : {$0.00}

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 2020-07-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX XXXX I was contacted as well as my relatives about an open proceedings case in the county of their address. The proceeding were going to be filed against me for account # XXXX and I had to pay my debt for Ace cash express for the amount of XXXX for a past due pay day loan. If I didnt do this the lawyers of this firm would follow through with the proceedings with Ace cash express and this was also being recorded as an attempted collection and notification of this process, and this was all recorded for their case against me. I was contacted by XXXX XXXX by the company XXXX on behalf to notify me of these legal actions being taken against me on behalf of Ace Cash Express. She stated the date of the loan taken out the and the amount of the original loan of {$500.00}. I attempted to make payments and she requested proof of income to provide. I explained I was unemployed due to the Covid-19 pandemic so they denied this request. To confirm this collection, I attempted to call Ace cash express On XX/XX/2020 directly to clarify this confusion they transferred me to their debt collections and confirmed they had sold it third party via DNP. I called the number back of the XXXX debt collectors whom notified me previously they had acquired the debt as well and settled for {$800.00} via my aquatintences credit. My friend and I and settled this debt together on a recorded line where he asked multiple questions, just as I did, and was told the same things. We requested and on a recorded line via phone number XXXX XXXX XXXX XXXX extension XXXX, a notified letter of proof of close of debt collection and closure of said proceedings as well as be emailed to both parties of confirmation. She confirmed that would be sent out and a email would be sent out following the ending of the call to both parties involved. She also confirmed my email address, she confirmed my address, and confirmed everything on file left with Ace cash express agency. I have not received any notification of closure, or payment in full, I have not been contacted by Ace cash express or the company acting on behalf of them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I reached out to Transunion on 4 occasions, I mailed them disputes on XX/XX/XXXX and XX/XX/XXXX, the dispute from XX/XX/XXXX did not have tracking which led me to send the dispute from XX/XX/XXXX via Certified Mail which shows it was received on XX/XX/XXXX. I called to speak with them again and 2 supervisors informed me that nothing had been received since XX/XX/XXXX. I provided them with tracking and she sees it was received but they have no information that it was received. I confirmed the address and they verified it is in fact correct. I asked for an alternate way to ensure it is received in the future and they had no other way besides mail.

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 2018-06-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from Toyota Financial Services dated XX/XX/XXXX saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with Toyota Motor I went personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX Toyotas dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with Toyota Motors or  XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
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:
On XXXX XXXX XXXX, I submitted a letter asking Experian and XXXX, to remove the accounts that were identified as a result of identity theft. 

They responded with a letter that verified all of the accounts. How can you verify accounts that are result of identity theft? 

on XX/XX/2021, I filed my FTC report to identify items that are reporting on my credit file as a result of identity theft. 

Experian has blocked me out of using the online function of view the completed disputed, and disputing through the online function. But they also verified the accounts again. 

Experian and XXXX, has been operating in violation of the consumer rights because the accounts that were listed on the FTC report should have been blocked from my credit file in 5 business days. I have submitted numerous disputes identifying the errors in their system in regards to the accounts listed and yet the accounts still remain.

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 2021-07-16
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PENN CREDIT CORP Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PENN CREDIT CORP Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I had filed my taxes. I got counseled to obtain a bank account in order to get direct deposit and to apply to p.p.p. Next on XX/XX/2021 I ask a Citi bank employee if I could open an account at that exact moment. The employee said yes. I got my data and proof. The account was opened with XXXX dollars. In the very early hours of XX/XX/2021 I had deposited a check for {$1200.00} dollars through the app. Also i had direct deposit from my XXXX XXXX job for {$580.00} dollars. Moreover, 5 days passed and my expenses were pilling up because i could not reach my money. So I use the Citi bank app to text to a Citi representative. I had asked why was my check taking so long to process. The person responding had said, it was because I had just opened the account. So I asked if the process would be speedier if I just deposited in person. And please remember this part. And I paraphrase what they said, " it is ok. The check you deposited on the phone will cancel itself. Since they have the same Information. Leaving the current check in my account. '' Next I believed my money was going to be available because i got a a letter from Citi bank. Confirming my money would be available for me XX/XX/2021. But days prior I tried signing into Citi bank app and it said I did not exist. I did not get a letter or a call. I had to borrow money that I do not have in order to travel to a Citi bank and to pay my expenses. XX/XX/2021 the Citi bank closed my account. The Citi employee said the bank would have to see if it was fraudulent money or not. I have not gotten my money, and my expenses are past due. Also my boss showed me the receipt the company has that the check I deposited got into Citi bank. So the bank has my money! What angers me is that I called every resource available to guide me in banking and finance. And it leads me talking to a robot. While they get to use my money! I am poor living check to check. I want to sue them but I am so poor I do not even have money for the paper to print. 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 2021-07-16
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There has been no consent for this collection agency to furnish derogatory information on my consumer report. They had no right To buy and use my consumer report information from another debt collector and they have not validated the alleged debt with the original document showing the original creditors contract. 


Below are Federal Codes in which have been violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Company response to consumer: Closed with explanation