BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: NC
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 requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Westlake Services, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2018-04-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FAIR COLLECTIONS & OUT Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I WANT A COPY OF FAIR COLLECTION AGREEMENT/CONTRACT WITH MY SIGNATURE. 



I HAVE ASKED IN 4 SEPARATE CERTIFIED LETTERS TO XXXX FOR SIGNED CONTRACTS/AGREEMENTS FROM THIS COMPANY SHOWING THEY HAVE A CONTRACT WITH ME FOR SUCH DEBT. I CAN'T GET XXXX TO COOPERATE AND FORWARD. LEGALLY THEY ARE IN VIOLATION OF MY RIGHTS TO SUCH COMMUNICATIONS AND DOCUMENTS. 

WILL BE FILING A LAWSUIT FOR THIS INFORMATION AND TO RECOVER LEGAL FEES INCURRED DUE TO THEIR NEGLIGENCE CC ; LEGAL FILE

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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
REPORTING INACCURATE PERSONAL IDENTIFIERS ON 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 2018-04-02
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a bill with XXXX that went to collections. It was on my report for over 7 years and dropped off. Then came back with a newer date. It is through XXXX XXXX c/o

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Big Picture Loans, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a payday loan with XXXX XXXX XXXX online back in maybe XX/XX/XXXX and I can't remember the exact amount. I paid the loan payment twice a month up until I hit harder financial times and then I stopped. Then back in XX/XX/XXXX a debt collector contacted me told me that a warrant had been issued for my arrest but I could settle the debt for {$270.00} which I paid. I then received a letter saying the account was settled and closed. Then in XX/XX/XXXX I received another call and I really didn't think about it until later but it was a debt collector for XXXX saying that I was due to be served court papers unless I paid {$120.00}. Again I paid and received another payoff letter. Then a couple weeks letter I get another call from another collector for the same company XXXX XXXX. I spoke with them and told them that I had already taken care of this matter. Then just this week I received 2 more calls so I emailed the company. I haven't received any more calls since the email. This company is a ripoff if you borrow {$400.00} you may end up paying {$1600.00} or more. My personal experience I will not use this company or any payday loan company ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Mercedes Benz Financial Services
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I reached out to my lender Mercedes-benz financial in XXXX of XXXX and explain how I had XXXX  and was XXXX  and explain to them that I was going through a financial hardship and they explained to me it was nothing they can do about it they have already gave me the amount of extensions that they could and I completely believe this is unfair so I would like to exercise my consumer rights section 1026.23 ( a ) 1026.23 ( b ) 1026.23 ( d ) right of rescission section 125 is good for three years. vehicle is already paid for by my Social Security number so technically Im paying for this vehicle twice which is against the law. They also broke the Consumer law with 15 US C1662B no down payment too much I paid one. They also broke the law with 15 US C1605 the termination of finance charges finance charges I have been misled by his company and taken advantage ofThis company has forced me to use my personal information for a vehicle that is my business vehicle which they shouldve just use my XXXX number only I need someone to look into this matter immediately I have dealt with this company for a long time and Im truly traumatized define out how they Took a vantage of my consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My criminal record for XXXX XXXX has been expunged since XX/XX/2018. Louisiana issued a Certificate of Compliance. for one XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Update your records because background check companies are still reporting I have a record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On today XX/XX/20 I received a call from a Navient representative stating I owe on my loans as I explained to the representative I do not have the funds due to COVID-19 and being a single mother with an XXXX   child. I would like for the calls to stop and for this charge to be removed from my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have returned the equipment to XXXX and the balance is at XXXX. I have called the collection agency who confirms there is no monies owed, however they are still reporting on all three credit bureaus that I owe XXXX. I have requested they remove it from my credit report, but they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: LL Services Parent LLC
State: NM
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:
Either today ( XX/XX/2021 ) or yesterday ( XX/XX/2021 ) Covius Mortgage Solutions pulled a credit inquiry on my husband and I. I was looking into refinancing opportunities but never authorized a credit inquiry from this company. I was on XXXX XXXX and a couple of other sites and gave my basic info only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: AES/PHEAA
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by AES/XXXX  actions. I need you to take this matter seriously, and send me a response. 

I was to get a deferment DUE TO COVID-19, which was not given to me. I have been through a difficult ( overwhelming situation ) due to this virus.

Accounts involved are the following : 1 ) Account # XXXX, opened XX/XX/2005, original balance {$10000.00}. 
2 ) Account # XXXX, opened XX/XX/2005, Original Balance {$21000.00}. 

AES has committed the following violations : 2. Unfair business practices. 
3. Reporting discrepancies across bureaus. 
4. Failing to mark account as disputed. 
5. Failing to provide fair customer service. 
6. Negligence. 
7. Breach of contract. 
8. Reporting incorrect and inaccurate information. 

I want both late payments removed from my reports. 

Please send the attached documents to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: MI
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 sent a letter explaining the inquires was unauthorize and a negative company on my report that I never dealt with or had any type of information from them but they reported a negative on my account. Also, I spoke to several departments about my updated personal information that was just updated but the inquires were unauthorized by me and the negative is all unauthorized hard and soft inquires are all unauthorized and these are stopping me to obtain credit In the future. I have a good payment history but all this information that is coming out the blue without my authorization is horrible. I have been a victim of identity theft for some time now. All around the world had me stopped because of identity theft or people saying add XXXX XXXX to their felonies. I could obtain a passport because of identity theft. There was no amount by the negative account with me because my account was paid with a regular bill. XXXX XXXX. Then there in hard Inquires on my account that I didn't authorize..

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 2020-08-22
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around XXXX or XX/XX/XXXX, a debt showed up on my account for an apartment building called XXXX XXXX XXXX XXXX in the amount of {$2200.00}. I have contacted and spoke to the manager of the debt collection company " Professional Debt Mediation ''. Her name is XXXX XXXX ( email : XXXX ). I sent her all the documentation I was asked to send to her and still this fraudulent collection is on my credit report. 

I have LIVED in a house that I have a mortgage on since XX/XX/XXXX. I have not lived anywhere else. Ever since the XXXX breach in XXXX, I have been a victim of identity theft! Many other apartment buildings where all disputed and removed from my report. But this company is not cooperating. I emailed them back in XXXX or XXXX of this year and still have not heard back. 

This collection is ruining my credit and my financial life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Unable to process DISPUTE on site that is hosted and operated by TransUnion Consumer Interactive , Inc., a wholly owned subsidiary of TransUnion, LLC. 

No matter how many times you try, it always says " Dispute Temporarily Unavailable '' This CFPB agency is a joke. You guys never do anything to help ordinary Americans.

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 2019-03-26
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow refund from Mr. Cooper in XXXX that was sent to my previous mailing address at XXXX XXXX XXXX XXXX. I have not been there in a year and was lucky enough to have my mail still forwarded. I also receive Marketing materials sent to my previous mailing address however receive my bill at my current mailing address. 

I have two mortgage loans with Mr. Cooper and due to this error requesting a list of all escrow refunds for my account in the last 13 years and a confirmation that the checks have been cashed by me. I have moved at least 7 times in the last 13 years. 

Account XXXX Account XXXX Additionally called today XX/XX/2019 to inquire on why I have an overdue payment amount is due in the amount of XXXX on account XXXX and they stated it had to do with an escrow payment that is due. I want an explanation on why I received an escrow refund and then I owe you for additional escrows. I waited an hour to speak to a representative and she had the nerve to ask if I wanted to be transferred to the escrow department. I said absolutely not, you can answer to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: WELLS FARGO & COMPANY
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am the mother of a student paying off one of the student loans. I have an auto pay set up to pay monthly. Apparently, the minimum was raised without notifying me. Received a notice today that I was XXXX cents short, so they were going to charge me a {$28.00} late fee. 
Its bad enough that XXXX over charged for education and then dissolved. My son hasnt been able to get help with any of his school loans.

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 monetary relief
Consumer complaint received 2019-03-26
Company: CORELOGIC INC
State: IL
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 INQUIRY

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 2019-03-26
Company: CITIBANK, N.A.
State: HI
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:
The number for our Billing Disputes team is ( XXXX ) XXXX ( TTY/TDD : XXXX ) This department is available Monday-Friday XXXX EST and Saturday-Sunday XXXX EST. 

XX/XX/XXXX purchase made from vendor XXXX XXXX XXXX XXXX XXXX for {$500.00} XX/XX/XXXX dispute filed with Citibank for purchase because I was unable to contact the furniture company and had not received my furniture yet ; XX/XX/XXXX dispute cancelled because my order was pending to arrive. 
XX/XX/XXXX citibank closed dispute and returned funds to the vendor ; citibank is saying the funds were received on XX/XX/XXXX. 
XX/XX/XXXX I was supposed to get my furniture delivered but the vendor could only see the chargeback ; they could not see funds returned. I called citibank who confirmed that the funds were resent back on XX/XX/XXXX but said that the receiving back rejected the funds and they would manually resend ; could take 7-10 days. provided by citibank ARN # : spoke with citibank billing disputes ph : XXXX XX/XX/XXXX e-mailed valyou furniture ( XXXX - XXXX for update ; XXXX XXXX indicated their merchant services case was still pending XX/XX/XXXX received letter from citibank confirming that the funds were sent back to the vendor on XX/XX/XXXX ; forwarded to the vendor XX/XX/XXXX e-mailed valyou furniture for update ; XX/XX/XXXX valyou furniture indicated that their merchant services said chargebacks could take 60-90 days regardless if there is documentation from the credit card company ; suggested I continue with charge back to get my money back and then charge again for the furniture I ordered. 
XX/XX/XXXX spoke with citibank customer service and billing disputes who kept repeating that the issue is on the receiving side, but they could not call the receiving merchant services to confirm payment was received and i could not file another charge back since you are only given one " shot '' even though the intial chargeback was cancelled, and if i wanted to get my money back, I'd need to go to small claims court with the merchant to get my money back. 

Requested to escalate to a supervisor ; billing disputes person indicated that no supervisor is available and someone would call me back in 24 hours. 

In the meantime, citibank took my money back in XXXX which I paid off ; the vendor does not have their funds, and I do not have my furniture. Citibank will not resolve the issue with the receiving merchant ; started saying visa has different policies on how funds are returned ; myself and the vendor are stuck in the middle. 

I don't want to have to pay again for furniture I already paid for.

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 2019-03-26
Company: EQUIFAX, INC.
State: GA
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 was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. 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 NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.

Company response to consumer: Closed with non-monetary relief