BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: SC
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 recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.

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 2021-11-30
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account Corrections : XXXX XXXX ( Reported 'Open '' on XXXX yet 'Closed ' on XXXX ) Please delete account or provide Method of Verification Ad Astra ( Please delete account or provide Method of Verification ) XXXX and XXXX fails to report Account Type Both are FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
This loan is from years ago. I was contacted by their lawyer before it turned 7 years old. I completely paid the loan, but was recently told by Advance America on XXXX XXXX XXXX oh that it wasn't paid. Originally the loan was for {$500.00} and {$75.00} in interest. I can't remember the date, it's been so long ago, but it was the last payday loan I got from them. Please help. XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: SG and Associates
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company by the name of Stafford and Associates I googled the name and all of the people I spoke with where mentioned in other people 's complaints. They demanded I give them a debit or credit card for money I owed to XXXX XXXX from 2015. They have no website or any way to verify who they are. The name they go by is Stafford and Associates. There number is XXXX ask for XXXX he is the manager. If you XXXX  the number you will see what I mean. Thank you. 

I called XXXX XXXX after I got off the phone to verify there status with them, they never heard of them and they dont use them, case closed!!!

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 2019-07-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
We returned Lease of 2016 XXXX XXXX on XX/XX/2019 ( Due XX/XX/2019 ) Account # XXXX XXXX XXXX. Then received an invoice for {$2700.00} In XXXX. Immediately responded stating that the first 8,000 miles were used as Demo Car Mileage and Wear and Tear. We received no reply to 4 separate letters sent to Nissan Motor Acceptance Corporation ( NMAC ). Now we are receiving letters from XXXX XXXX which is a collection agency for NMAC! In our 4th letter to NMAC they accepted and cashed a check in the amount of {$1300.00} with no reply to correspondence attached to the check. Our credit has been hit, or will be, because of the status with NMAC and we find it very unprofessional that we have not received a reply to same. We feel this act was an illegal manipulation to extort money from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
XXXX XXXX have reported that I have opened an account No. XXXX on XX/XX/2013, for a line of credit of XXXX XXXX Dollars ( {$100.00} ). 
XXXX  clamied that I made a purchase for XXXX Dollars ( {$40.00} ). 

I did not open the account. I did not make purchases from XXXX. Also, I received no bills or any information from XXXX indicating that I owe XXXX any due and outstanding amounts. 

I only found about this account when it showed up as a negative mark on my credit report. I wrote to XXXX to request more information or copy of the bill. XXXX failed to respond. 

I disputed the matter through XXXX credit agency. XXXX refused the dispute and affirmed the negative account. 

I request XXXX to produce the charges I made and XXXX bill that it had been sent to my address of record. XXXX failed to do so and should remove the negative 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 2020-10-09
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WE HAVE HAD OUR PROPERTY TAXES DEFERRED BECAUSE WE ARE BOTH OVER XXXX YEARS OLD. 

NEW REZ SUDDENLY PAID OUR BALANCE WITH XXXX COUNTY TAX ASSESSOR, AND HAS INCREASED OUR HOUSE PAYMENT BY {$700.00}. 

NEW REZ LOAN NUMBER IS XXXX. 

WE HAVE SENT THEM LETTERS FROM THE TAX ASSESSOR TWICE AND CALLED THEM AS WELL AND THEY ARE BEING NON RESPONSIVE. 

MY HUSBAND NEEDS CONSTANT XXXX XXXX  AND THE FINANCIAL STRAIN OF THIS SUDDEN NEW EXPENSE HAS BEEN TERRIBLE. 

WE NEED THEM TO REVERSE PAYMENT TO XXXX COUNTY SO THAT WE CAN GO BACK TO HAVING THE TAXES DEFERRED UNTIL WE SELL OUR HOUSE.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion is showing a collection that is two years and it is invalid. I disputed the charge and the company removed it from XXXX. Further, they are artificially lowering my credit score due to inquiries and percentage of outstanding credit used, even though the amount is miniscule compared to my income. This has damaged me by causing a higher interest rate on the loans I am attempting to get.

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 2019-07-03
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the representative stated i owed them {$2600.00} and if I didn't pay it they were going to continue calling me and sending me letters in the mail until it is paid. I told them they do not have any documentation bearing my signature and I do not have any contract with Diversified Consultants. I told them as per the Fair Credit Reporting Act Sec 611 ( a ) ( 1 ) ( A ) they have 30 days to complete this investigation and remove this from my credit file. They laughed at me and still stated it was a debt owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The collection amount is {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, 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 2021-11-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to lodge a complaint against Wells Fargo Mortgage. I think they r practicing XXXX and age discrimination. 

Full complaint has been attached

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 2020-04-28
Company: Experian Information Solutions Inc.
State: TX
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX  XXXX  XXXX {$3700.00} XXXX  XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$420.00} XXXX   XXXX {$140.00} XXXX XXXX {$12000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX {$390.00}

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 2019-05-16
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Please remove Chapter XXXX bankruptcy, 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 non-monetary relief
Consumer complaint received 2019-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates has been repeatedly calling me and harassing me from different phone numbers all times of the day. I have asked them to stop calling me and they have failed to cease calling me. I have blocked more than 20 different phone numbers that this company and its employees use to call me. They have also sent letters threatening to sue me. I am really tired of the repeated harassment. I am tired of blocking numbers every other day. Stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at about XXXX XXXX - I sent money to the PayPal account XXXX for some concert tickets. As soon as I was going to get the tickets via XXXX, the person XXXX XXXX, suddenly got rid of her XXXX account. The money was already transferred to this paypal account. I am trying to get a refund for this and that Paypal account locked for scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This medical collection is a result of fraud and XXXX has failed to block/delete this collection for the credit file within four business days of receiving the FTC identity theft report. XXXX has also failed to show proof that this medical collection is legitimate. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A debt is placed on my credit report that was never validated by me.

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 2017-12-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX has an expired debt collection license in Tennessee. They must be deleted from my credot files, Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
CFPB Complaint # 1 - VIOLATION OF RESPA - 12 CFR 1024.36 AGAINST NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY Servicer : Nationstar Mortgage d/b/a Champion Mortgage Company Loan # : XXXX Estate of XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ( Legally Named Heir ) Property Address : XXXX XXXX XXXX, XXXX, VA XXXX Trustee Sale Date : XX/XX/XXXX To whom it may concern : Nationstar Mortgage LLC d/b/a Champion Mortgage Company ( Champion ) has violated 12 CFR 1024.36 by failing to properly comply with my Qualified Written Request ( QWR ) which I served on Champion on XX/XX/XXXX. 

I received a letter from Champion Mortgage Company, dated XX/XX/XXXX, acknowledging receipt of my QWR. The letter stated that Champion would respond to questions as set forth in my QWR, as well as provide pertinent documentation by XX/XX/XXXX. To date, I have not received either. 
I have filed a lawsuit against Nationstar Mortgage LLC d/b/a Champion Mortgage Company, however I cant get them to respond to my QWR. The law states that I deserve answers to my questions presented to the Servicer. But the only thing Servicer is interested in is foreclosing on my home on XX/XX/XXXX. Since I am being ignored, I need assistance from Consumer Finance Protection Bureau with this very urgent matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: LoanCare, LLC
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My loan was transferred to LoanCare , LLC, Loan # XXXX, serving company on XX/XX/19. I have not been able to get with touch with someone regarding my account. Everytime I call they acknowledge that I have an account and then state I can not make payments. This loan was XXXX current with XXXX XXXX prior to this transfer. I have attempted to call all numbers affiliated with this servicing company. I have spent 3-4 hours EVERY DAY for the past week attempting to make the payment. I am put on hold, transferred, hung up on. I have all phone records.

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 2019-05-16
Company: Allarin Professional Group LLC
State: TX
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 recieve calls over 10yrs now for a XXXX XXXX  for the number XXXX. She uses a postbox. It hasnt been her number & I'm sick of fighting these people.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-16
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Paid on my loan as usual, same procedure, got a receipt, only to find out 2 days later that it wasn't credited to my account which resulted in me having to pay double because of what I thought was paid.I 've heard of the tactics they use to confuse consumers payments.I 'm on a fixed income ( XXXX ) and can't afford to shell out extra money.I 've tried to contact them on many occasions, but keep getting the run around.Please help to resolve this matter.

Company response to consumer: Closed with explanation