BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$2600.00}. I only found this out by being notified through my credit monitoring service two weeks ago that a " new collection was added ''. I have not received any notices or letters regarding this account. The collection has not been on my credit report in years and when I viewed my report, it shows as a new debt as of XX/XX/2019 on all three credit reporting agencies. This is completely false. I have sent a debt validation letter to Jefferson Capital and though it has not been 30 days since their receipt, I feel it necessary to pursue all actions available to me because the act of re-aging an account is illegal and negatively affecting my credit worthiness. I request this be deleted from all major credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX

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 2017-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
1026.13 ( e ) states Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. <P/>USAA states that after a year of finalizing the billing dispute they received new information and reversed the previous decision and credits. 1. ) USAA has not mailed an explanation setting forth the reasons for their belief the billing error stated is incorrect. 2 ) USAA has failed to furnish copies of documentary evidence of my indebtedness, despite my many requests these past few months. 3. ) Provide current statements reflecting the reversal of charges identifying them so they may be verified.
4. ) States because I have rewards accounts with several of the companies charges where made with I am responsible. Currently, I have elite status with the following hotel chains : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and all branch and subsidiary properties of each chain. That 's the majority of hotels in North America. Stating I am responsible for a charge at one of these hotels simply because I have status at the hotel in no way proves my liability. Especially seeing as I hold rewards accounts at so many hotels.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-11-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home mortgage is with Wells Fargo. I notified Wells Fargo in XX/XX/XXXX that I was put on XXXX in XX/XX/XXXX and I had executed all savings to provide for my family. At that time Wells Fargo stated a home modification was the best way to get caught up for the couple months I was behind. I completed the trial period as they asked even though my income was less than half of what I needed to qualify for the original loan in the first place. I then waited for new paperwork for over 45 days. The first set came. HUD partial claim included arrears as if I never made any payments on the trial or after while I was waiting for paperwork. I called and Wells Fargo agreed there was an error and said they would investigate. Two weeks later I received a call from the executive office stating the problem had been corrected and new loan docs were being drawn up. Second set of paperwork received the next day and the error was NOT corrected but also increased by {$6400.00}. I called and have been asking for a financial printout and asking where all the payments are that I have made since XX/XX/XXXX of {$1500.00}. The rep argued and stated it was credited to the principal. I stated it wasnt and even if it was Wells Fargo cant recharge me for arrears on months I paid and was not in arrears. They still have not corrected and now keep stating I must not want the modification since I wont sign for the extra charges. Then I received a notice in the mail about a forbearance plan option, this was NEVER EVER offered to me. I have had no income since XX/XX/XXXX effective date and Wells Fargo is trying to strong arm me into signing for double arrears charges and hiding them in my HUD partial claim. I am entitled to this forbearance program and also if they are going to charge me for arrears as if I have not made a payment in a year then I want my {$8500.00} back!!

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 2017-11-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address on my credit report is wrong. I was told by an Experian representative that I can not dispute personal information such as my address. I have talked to 2 people at Experian by phone. I first contacted XXXX or about XXXX. 

XXXX reference # for XXXX XXXX XXXX XXXX XXXX On my credit report it says I can file a dispute at www.experian.comXXXX but when I fill out the information and submit it says it ca n't honor the request to submit a dispute online. They actually said i can not dispute incorrect personal information such as an address I never lived at.

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 2022-08-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My info has been used to try to obtain credit so my credit has a whole lot of soft and hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XXXX XXXX, XXXX I took out a payday loan in the amount of {$230.00}. It is now XXXX XXXX and I am still struggling to make the payment. I informed the company that I am going a serious financial hardship. They did n't really give me much time to make the payment. Since then I currently have a balance of {$310.00}, which is even more challenging. On XXXX XXXX I informed them that I can pay {$150.00} towards it but due to a recent XXXX  in the family I was not able to make the payment and they did not show any remorse or understanding.

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 2022-03-02
Company: Experian Information Solutions Inc.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-10-08
Company: ERC
State: OH
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contract with these companies. I do not recall doing business or applying for these accounts, please see the following : ENHANCED RECOVERY # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX Identifying transactions on periodic statements.States The creditor shall identify credit transactions on or with the first periodic statement that reflects the transaction by furnishing the following information, as applicable : The creditor must disclose the amount and date of the transaction, and either : A brief identification of the property or services purchased, for creditors and sellers that are the same or related ; or The seller 's name ; and the city and state or foreign country where the transaction took place. The creditor may omit the address or provide any suitable designation that helps the consumer to identify the transaction when the transaction took place at a location that is not fixed ; took place in the consumer 's home ; or was a mail, Internet, or telephone order USAA in violation of regulation Z billing dispute allowed timeframe reversed it 's decision on credit card fraud billing disputes after a year of it being finalized. A serious issue is that I only noticed it when I saw " Transfer Adjustments '' on my account via USAA.com. Shortly there after USAA restricted my ability to use USAA.com and despite my many verbal and written requests has failed to comply with the above mentioned regulation. I have yet to receive a statement which indicated when these charges were reversed and placed back on my account. The only statement I received was one with no mention of the " transfer adjustments '' or any kind of reversal of the billing dispute finalized over a year ago. As it is, USAA states I have this balance, yet I have no clue what charges are on the card that contributed to the balance. It has been over 2 months now and I still have not received any of the requested documentation, identifiable statements or documentation used in the decision to reverse the billing dispute from over a year ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Cavalry Portfolio Services, which I hold no contract nor have received any services from is reporting a collection account again my social security number in the amount of {$6700.00} with XXXX, XXXX and XXXX credit reporting agencies. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt. ( see attached ) I requested Cavalry Portfolio provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state, and Your license numbers and Registered Agent As of today XXXX Cavalry Portfolio has failed to provide me with adequate documents to verify that I owe the said debt. ( see attached from Cavalry ) I have made several attempts to contact the credit reporting agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and most recent XXXX/XXXX/XXXX and each agency refuses to remove ... indicating Cavalry refuses. 

I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. Under the Fair Credit Reporting Act, 15 U.S.C 1681g ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( US Collection West ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
LendMark financial is the worst company. There are always different balances on your account, but the little rude, ignorant staff members never want to explain where they come from. This company needs to be investigated. Asking to investigate them, if it is not done, part of the problem, will be that this place is going to have a lawsuit against them. Investigate them. XXXX NC branch. XXXX XXXX location.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, 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:
FOR THE PAST SEVERAL MONTHS I HAVE BEEN TRYING TO HAVE EQUIFAX REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT, BUT THEY WILL NOT REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. PER FEDERAL TRADE COMMISSION OFFICE ONCE THEY RECEIVE MY FTC REPORT THEY WILL NEED TO BLOCK THE FRAUDULENT ACCOUNTS BUT THEY REFUSE TO PROCEED ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
Unauthorized inquiries showing on my report that I have requested to be removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper will not release our insurance check that we were required to sign over to them so that we can make the repairs necessary to our home. They continue to ask for the same documents over and over and state each time that the check will be five to seven business days and must stay in escrow for five days to clear. We were hit by a tornado and do not have most of our roof and continue to get more damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Experian Information Solutions 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:
On XXXX XXXX, 2018 my vehicle was broken into at my place of employment. The individuals stole my purse which contained my drivers license, social security card, and store credit cards. I immediately called the police to file a report and closed my accounts. Unfortunately on XX/XX/2018 the individuals that stole my belongings, purchased a vehicle online through XXXX.XXXX  using my information.The vehicle was delivered to these individuals. I have called numerous times and have contacted their legal department via email as well. I have sent them my police report and they have actually been in contact with the detective on my case. The individuals that have stolen my identity to purchase this vehicle have been arrested and are currently in jail for this crime, yet XXXX/XXXX  refuses to take this vehicle off 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