BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This complaint is against the credit reporting bureaus Transunion and XXXX. I only have two open accounts which I have been progressively paying off all of my outstanding debt and have been receiving either no score change, too sharp of a decline in score, or too little of an increase in score. I have attached evidence obtained from XXXX XXXX to support my claim. In particular, there has been one recent instance with XXXX, whereby my open credit card account balance was duplicated on my report, such that it appeared that I had two XXXX XXXX  accounts when I only have one open account, and when XXXX finally removed the account from my report, I received a decrease in credit score. Throughout this year dating back to XX/XX/2021, the credit bureaus have either chosen to not administer a change in score, administered a score of only +1 or +2 pts, or rushed to administer a decrease in score that does not match the change in activity that is supposed to be the basis for the score change. I am hereby asking the CFPB to step in and confirm that my credit reports are being legitimately composed and updated by the credit bureaus Transunion and 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 2018-12-14
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently complained to cfpb that XXXX XXXX was hindering people from wiring me money thru XXXX 's XXXX XXXX XXXX program. XXXX XXXX has responded by informing me that they handle XXXX XXXX XXXX, but not XXXX XXXX XXXX. They confirmed that XXXX XXXX XXXX was handled thru Ria. I thought Ria was part of XXXX XXXX. My mistake. I have spoken to Ria ( XXXX brochure said to call them ) in the past concerning them first accepting people 's cash & providing a confirmation # for funds to be sent to me, but then twice denying me those funds after I provide a copy of my Driver 's License & a copy of the confirmation receipt including the #. This means that the sender must make another trip to XXXX to get their funds back. On both occasions the funds were given back to them. Ria 's response ( I escalated call to supervisor then asked for that employee 's supervisor, but was never called back by this 2nd line supervisor ) was always to have the sender contact them. I'm told their response to the sender was that there was " fraud in the area ''. This seems like a peculiar response since I should be able to pick up those funds in every XXXX in Texas or maybe the nation. What area are they claiming fraud? Ria was asked & they always denied that they had a block on my name, but on two straight occasions within a week apart I was denied after having used XXXX XXXX XXXX successfully on many occasions over the past few years. I feel that Ria is somehow targeting me as a fraudulent receiver & I'm committed to providing anything reasonable to prove to them that I'm not involved in fraudulent activity. I don't know yet whether their actions have slandered my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Critical Resolution Mediation LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call from " Critical Resolution Mediation '' stating they I owed money. They wouldn't say how much or to whom. They then recited my correct SS # to me and said " we'll get this money sooner or later '' I told them not to contact me again. I'm terrified that my identity will be stolen. The number they called from is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I feel this ( company XXXX is stalking on the same issue from another company in the same vicinity and I filed a complaint about Ref. # XXXX on XX/XX/XXXX. I think this is a deceitful business practice of both within a 30 day time period. 
I feel I am being abused with harassment and being stalked by these people. 
XXXX. XXXX XXXX XXXX XXXX XXXX. Resurgent Capital Services This paperwork showed up after filing complaints ( AG Office and CFPB XXXX and before the 1st company even answered. 
I am being threatened of my LIFE, LIBERTY, and PURSUIT of HAPPINESS ( only ALIVE )! 
I know this is a time-barred debt XXXX XXXX XXXX, it has not and does not exist ( from a divorce ). If any ever correspondence it was over several years ago, which ended and nothing until this stuff with COVID and the XXXX Stimulus from the US government. 
This is literally harassment of abuse from them and a deceitful business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was contacted by XXXX XXXX about a debt she said I owed. She said in order for this debt to be sasitifed and not affect my CDL with the state of Texas I needed to pay XXXX dollars I told her not to contact me this was on XX/XX/XXXX I sent her a affidavit of identity theft and a police report in XX/XX/2018 as per FCRA 623 ( a ) ( 6 ) ( b ). And it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I canceled my XXXX  insurance and switched to XXXX XXXX. XXXX sent me to collections for unpaid bill in the amount of {$150.00} despite numerous attempts to resolve this. 
XXXX continued to bill me despite proof of cancellation that I am attaching and sent me to collections. This is extortion. 

Here is a rundown of dates : XXXX - XXXX  XXXX insurance is effective and payment made ( proof attached ) XXXX Called XXXX to cancel my auto insurance and they said I would have to send in proof of cancelation. They said I would not be charged a bill for XX/XX/XXXX as long as I had proof of insurance before this which I did with XXXX XXXX ( XXXX ) XX/XX/XXXX - Sent in signed cancelation endorsement form to XXXX ( proof attached ). 
XX/XX/XXXX - Emailed XXXX to confirm cancelation ( proof attached ) XX/XX/XXXX - XXXX requesting they needed proof of replacement policy ( proof attached ) XXXX Sent in the signed endorsement to cancel XXXX . Called XXXX  XXXX agent and she said she will be calling XXXX with proof of new insurance ( proof attached ) XXXX XXXX said they never received my signed endorsement or the copy of new replacement policy. I emailed back that I had emailed the signed document on XX/XX/XXXX and my XXXX XXXX agent had confirmed my new policy with them. 
XX/XX/XXXX - Continued to get a bill from XXXX for {$460.00} despite cancelation ( proof attached ) XX/XX/XXXX - Continued to get a bill from XXXX for {$150.00} ( proof attached ) XXXX -Spoke to XXXX at XXXX customer service because I was still getting a bill. This was matter was resolved ( Proof of call attached ) XX/XX/XXXX - Received a collections notice in the amount of {$150.00} and this was also reported on my credit. Called and had collections removed from my bill. I'm not sure if I paid this because I was so sick and tired of dealing with XXXX or just sent in the documentation but the matter was thought to be resolved and was removed from my report within 30 days ( proof attached ) XX/XX/XXXX - had not heard anything from XXXX or collections in 2 years and out of the blue, I get a collections notice for the same XXXX account! ( proof attached )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I financed a XXXX XXXX XXXX XXXX for my job back in XXXX. Within 6 or 8 months, I was struggling to keep up with my notes and insurance. The vehicle was in mine and my grandmother 's name, she co-signed for me to get the vehicle. When I could no longer keep up with my notes, me and my grandmother both went up to the dealership to return the vehicle. They informed me that by doing that, I will not owe anything on the vehicle. We all signed papers, I left my vehicle at the dealership, and it was forgotten. 6 months later, I had a different vehicle. When I tried to put insurance on it, I was told I had a flag on my license for not having insurance on the XXXX XXXX XXXX XXXX, the vehicle I turned in 6 months ago. I immediately went to the dealership to resolve my issue, and they informed me that they shred all of their documents and they had no proof that I even turned in the vehicle, and I no longer had the paper either. Turns out, they kept my car in their parking lot for months before turning it over to the finance company, and I had no idea. I was eventually able to get the manager of Toyota to hand write me a letter saying that I willingly surrendered the car on a specific date in order to have the flag removed from my license. Recently, in XX/XX/XXXX I disputed this account on my XX/XX/XXXX credit report. They were unable to provide documentation to XX/XX/XXXX, and the account was removed by that bureau. It remains on my XX/XX/XXXX and XX/XX/XXXX reports, and it is preventing me from being able to do anything with my credit. I can't be approved for a mortgage or a new car loan. I need this account removed from my other reports as quickly as possible. The account number is XXXX from Toyota Motor Credit Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Just today XX/XX/02, chase credit card has called my parents and released information that they are not allowed to release. 

My mother is not on the debt that I owe, and then disclosing the amount I owe is against the rights I have. 

They have also called more than once to locate me, which is again a violation of rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: Experian Information Solutions 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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results form identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2018-09-20
Company: AMA Advisors, LLC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 'm disputing the following debt with AFNI a collection agency in the about of {$310.00}, from XXXX. I 've contacted AFNI and was sent a bill. Well the bill is n't my bill and is a result of fraud. I have attached fraud paper from the IRS, also the address listed on the bill is n't my address. The bill date that was sent to me from X/XX/12 is from an address in XXXX XXXX Florida. At that time I was living in a total different city my address was XXXX XXXX XXXX XXXX XXXX XXXX Florida.. Again I was a victim of fraud and have a personal identification number for filing my taxes. I also check AFNI for license to collect in Florida after they were give me such a hard time after I told him that this account was fraud they have no license to collect on a date in Florida. Please see attached paper stating AFNI is n't license to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: EQUIFAX, INC.
State: NY
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:
My ontime payment went through an inactive checking account on XX/XX/XXXX for my XXXX XXXX that I lease from XXXX XXXX XXXX due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX  that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX   XXXX and they denied it all times!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity was stolen 5 years ago, and since then has been used to open up a number of wireless accounts, credit accounts, and bank accounts. I have worked extensively with other bureaus to clean up my reports but XXXX  will not remove these items. 

They have been given the FTC identity theft report, and the police report but these items have remained on my report incorrectly for month. I have filed repeated with success. The remaining unauthorized revolving/collection accounts are : XXXX XXXX XXXX XXXX XXXX ( A  previously removed account was sold to them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Who already sent a letter confirming fraud ) XXXX XXXX ( another account for some reason ) The following unauthorized inquiries were also included : XXXX XXXX XXXX XXXX ( I have never had an account ) XXXX XXXX  ( Never had an account ) XXXX ( I have never had an account ) XXXX XXXX XXXX ( Never had an account or heard of them ) XXXX ( Never had an account ) XXXX  ( Never had an account ) XXXX ( this account was confirmed fraud by them ) XXXX ( this account was confirmed fraud by them )

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 2020-05-27
Company: EQUIFAX, INC.
State: CT
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:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX XXXX XXXX XXXX  XXXX  Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Terrill Outsourcing Group
State: CA
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:
Dear Sirs : On XX/XX/XXXX, I have received a notice of debt owed from a debt collection company ( XXXX XXXX XXXX XXXX XXXX ). My issue is that I have not received any prior notice of debt default to my knowledge ; and, the debt notice from XXXX XXXX did not explain the : 1 ) the nature of the debt, 2 ) when it was incurred, 3 ) to whom it was incurred, 4 ) any evidence that I incurred such debt ( document copies ). The letter was simply a demand for payment.

I am providing notice early as this problem likely resulted from an " identity theft '' that occurred on XX/XX/XXXX. My last experience with XXXX took about 5 months to resolve, numerous written correspondences and a lot of personal time.

Thank you for your time in reading this correspondence.

Sincerely, XXXX XXXX XXXX XXXX Cell Attached Info 1. Police Report, dated XX/XX/XXXX

2. Probation Hearing Report of 1 suspect, dated XX/XX/XXXX.

3. Copy of Debt notice, dated XX/XX/XXXX.

4. My response to Superlatives notice, dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These attachments show up on my credit report. I have disputed all of them. Im presently in Bankruptcy Chapter XXXX Plan and have been since XX/XX/2016. These creditors were listed in my Bankruptcy Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet has my XXXX benefit documentation yet has failed to update all of my loans and payment status accordingly. They have repeatedly kept asking for social security documents and continuously keep switching me to REPAY then back to PAY AS I EARN then back to REPAY every few months. I do not have a review with the social security administration for another 7 years!!! This is working on my account in bad faith and intentionally trying to create a default on my student loans. A social security recipient should have to continuously keeps going through this every few months with Nelnet. I need the CFPB to investigate on the complaint on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
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:
On XX/XX/XXXX and again on XX/XX/XXXX, The Law Offices of Mitchell ran my credit, they also reported falsely that I owed money to a XXXX XXXX XXXX or another 3rd party. This is a violation of the Fair Credit Reporting Act, they do not have factual information. There is nothing backing up their allegations besides unsubstantiated claims. I never applied for credit, I never guaranteed payment, I never signed anything and I never gave out my social security number, it must have been obtained from another source. This company " XXXX " has blatantly violated the FCRA requirements for reporting in an attempt to " Extort " money and tarnish my name. It is my understanding that in order to publish false claims in attempt to ruin someone's credit they must factual information, they do not. 
Please look into this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04
Company: EQUIFAX, INC.
State: MD
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:
Original Creditor received my dispute and removed disputed account from my consumer report. Upon disputing other items XXXX XXXX XXXX opened a collection account naming XXXX as the Original Credit on my XXXX report less than 12 months ago. 

Upon disputing the derogatory account XXXX XXXX opened using my personal information without notice, consent and/or authorization. I disputed the item, my credit file was updated back dated to XX/XX/2015. I do not owe XXXX XXXX {$340.00}. 

Upon disputing this same item with CFPB prior to this complaint ; XXXX XXXX XXXX began reporting that same account on my Equifax report. XXXX XXXX XXXX adversely affected my credit score, credit file, and does not demonstrate fair practice.

Company response to consumer: Closed with explanation