BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: MA
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:
Experian doesnt want to delete the XXXX XXXX account on my credit report. I was told by them that the information was verified with the original creditor and that is completely false because I contacted the original creditor myself and they arent reporting anything to Experian, the account was sold to a company called XXXX XXXX and I also contacted them and they sent me a letter saying the same thing, they are not reporting anything to Experian. I want Experian to tell me who did they verify the information with because I am sure it wasnt non of these creditors, XXXX  deleted the XXXX account without any problems, I told them what was going on and they deleted the account. I want this account deleted because it is not being reported accurately and there is no creditor reporting it. I would also like the phone number of the person that Experian contacted to verify the information and also the name of the person that they verified the information with.

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 2019-10-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
received a letter from XXXX denying my increase request due to too many inquiries. to my knowledge i have 3 inquiries over a 2 YEAR period. i'm pretty sure thats NOT too many. so i try to get my report from equifax. i fill out all of their information, select the option for free report due to increase denial, submit and get the error i can not get my free report and i have to call equifax. this is a LOAD of XXXX. if the site doesnt work take it down. if i wanted to sit on the phone with their " customer service '' for an hour i would have done that to begin with. there was NO reason to deny my report request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute through XXXX XXXX, and they helped me out and they said I was right, the account was mine and its under credit collection and its having a hard impact on my credit, the company hasnt tried to remove the collection from XXXX

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 2021-09-16
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: Information belongs to someone else

Complaint:
As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of EdXXXX XXXX loans XXXX, for XXXX and XXXX, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of EdXXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not Mine ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of edXXXX won't remove these from my credit reports.

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 2019-10-02
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-09-16
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
WORLD FINANCE CORPORATION IS STILL REPORTING INACCURATE INFORMATION ON CREDIT REPORTS AFTER DEBT IS EITHER PAID OR DISCHARGE IN A BANKRUCPTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this issue multiple times online, and most recently faxed a request for validation of this debt and also disputed the validity of this debt again to XXXX XXXX XXXX on XX/XX/XXXX. Even though I am a XXXX recipient, had coverage for the XXXX which was XX/XX/XXXX, and should never have been billed, charged, or had it placed in my credit file, neither XXXX XXXX XXXX nor XXXX XXXX has removed this from my credit file. Therefore, I am providing proof that this is an illegal charge placed on my credit file fraudulently, even though I should not have to do this or provide this information because XXXX XXXX XXXX and that the current owner of XXXX XXXX XXXX already has this information. XXXX XXXX XXXX and XXXX XXXX XXXX, or the current owner of XXXX XXXX XXXX, is in violation of the law. I have also filed complaints with the State of Georgia and the current owner of XXXX XXXX XXXX through XXXX on XX/XX/XXXX. The amount that XXXX XXXX XXXX placed on my credit report is {$2900.00} for which I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-10-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
USAA claims that I owe them {$54000.00} from a home equity line of credit I took out many years ago. The loan I believe was taken out in the XXXX 's. I got sick and lost my job, home, and all savings by the end of XXXX. I ended up homeless for 5 years. I got better and a new job in XX/XX/XXXX. I started saving money and paying off all my debts. I applied for a hardship package with USAA in XX/XX/XXXX. They reviewed it and demanded I pay the full balance by XXXX XX/XX/XXXX. I have made a counter offer and they did lower the demand to {$39000.00} good till XXXX XX/XX/XXXX. I am not able to pay that amount. All other collection agencies and banks settled with me for around 20 % to 45 % of the total since they already took a benefit on their tax returns. I can offer them $ XXXX but that will require me to get a big loan and go further in to debt. USAA can be contacted at XXXX or XXXX. I  have managed to pay off all my other outstanding debts by getting loans and savings. Can you help me get them to consider the $ XXXX offer? I have many family obligations and will need to get another loan to settle with USAA. Your assistance will be greatly appreciated. They should also give me more time to come up with the money or give me a payment plan. Telling me I need to pay the full amount by XXXX XX/XX/XXXX or XXXX XX/XX/XXXX is completely unrealistic and unfair. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have made several attempts to get this matter resloved with Transunion. I have supplied ample proof of my Information being compromised via the XXXX hack ( XXXX ), Government hack ( XXXX photo provide in CFPB complaint number XXXX ). You added a fraud Alert but are refusing to vaildate the XXXX account. Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Your fraud alerts do not work at all. I attempted to place a Credit Freeze on my account and was unble to. You are paid everytime someone runs someones credit so your only intrest is your bottom line. You have had 180 days to investigate this and still cant come up with the correct solution. Transunion cant vaildate this debut because the company is unable to validate this debut. This accoun should be remove within 3 business days. This violates the Texas Fair Debut collection practices act, established for this reason.Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to 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 2019-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Portfolio Recovery Assoc. calls my job daily some days up to 3 times a day asking for me after we stated this is a work place and to not call the company back. Too many dates to name it has been happening on the daily for past couple months and now its affecting my job due to the sales department has to answer all calls so not like we can ignore the call. But my job is upset with me because of it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: Financial Business and Consumer Solutions.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened XXXX account in my name in XXXX XXXX XXXX I live in XXXX XXXX never in XXXX. XXXX sent this to XXXX XXXX collection agency. I along with my credit protection agency XXXX XXXX XXXX XXXX disputed this to XXXX with their fraud package. Police report and all evidence sent to them and credit agencies. I've also disputed and had the XXXX XXXX address taken off my credit report and have a credit freeze in place for 7 years. 
XXXX has now sent the collection even after being proven it was invalid account to XXXX XXXX XXXX XXXX as if they think i'm just going to pay it this time. 
XXXX is horrible if you try to call them and hold for 25 minutes they hang up on you I am so mad at them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CCS Financial Services, Inc.
State: DE
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:
XXXX XXXX said that I owed them in 2018 and was harassing me and threatened to sue me for the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my husband XXXX XXXX suddenly. I had been paying the mortgage on a regular basis. Last year, XX/XX/XXXX, I had started becoming late because of financial issues because of the loss of my husband. Wells Fargo did work with me and I was granted a continuum of my husbands loan. I am the executor of his estate and although the Title/Deed is in my name, the loan is not. I once again became delinquent on the loan but sent three separate checks to catch up. The mortgage company returned the checks saying that my husband needed to contact them for them to accept the checks. Wells Fargo is aware that my husband is deceased so the letter did n't make sense to me. In XXXX, I again started working with the Home Preservation Department to keep my home. I was told that I needed more information. I sent the information that was needed but they declined my application. I am receiving a pension now from my husband and I have a solid income. I want to keep my home, I feel the mortgage is not working with me and the sale of my home is looming. I am praying that this letter helps my communication with the mortgage company and myself. Thank you.

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 2018-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company states they are " XXXX XXXX XXXX '', They us numerous ficticious phone numbers and do not leave messages. I spoke to a representative and advised them I work in XXXX XXXX and do not give payment information over the phone. I advised them to contact me via mail. They further state the debt is in excess of {$950.00} which has been confirmed to be under {$500.00}. The numbers they call from are all over the country. Latest from XXXX Also received a call from XXXX. I do not answer unknown callers and am tired of receiving 4 - 5 calls a day every day from these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
So Chase issued me a credit card, before receiving the card, account was closed alreadt by the bank. I dont understand why they would issue me a credit card if my im not eligible on having it. They should have known before issuing me a credit card if i'm qualified, not after opening it. My credit score got  affected because of my account closed. I tried talking to chase about reopening it but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Good morning I need your assistance please. Back 6 years ago my wife died, she was the only name on our home mortgage at that time. Since then the mortgage company was XXXX, they had somehow given it to NationStar Mortgage, now known as XXXX XXXX. I was the executor of estate, i had submitted all the documents required to NationStar a good year ago. Since then the home officially became mine, and again submitted all the documents I was asked for. Well earlier this year i went to refinance the home, I called NationStar and was not not pleased with the interest rate they offered me, so I went elsewhere, and XXXX became my new mortgage company. After all was done I received a check in the mail from NationStar check number XXXX for the amount of {$960.00}, the problem with that it was made out to the estate of deceased wife. i could n't deposit it, so on XXXX/XXXX/XXXX at approximately XXXX i called and spoke to XXXX XXXX who redirected me to XXXX in Arizona XXXX I told him, and said within XXXX business days I 'll get a new check. Cool, I thought. On XXXX I did receive a new check for {$110.00} check number XXXX. Now i 'm getting a little annoyed so I called on the XXXX of XXXX and spoke to XXXX in Texas, who at that time said I would now need to prove I 'm the one paying the mortgage, and would have to mail in at least 1 years worth of bank statements. Guess they forgot I have done that months prior, and they take it directly out of my bank account, which she refused to look into. So! any help will be appreciated, wspecially if there is any penalty that can be included, besides the website, and social media I 'll be posting this too. 

Thank you in advance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX NationStar Mortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX LOAD NUMBER XXXX - LATE WIFES NAME XXXX XXXX. 
POLICY NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX 2.Cavalry Port I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have over 50 pages ( estimate ) of data including times, dates, events. The following is a very brief explanation. 
XX/XX/XXXX = discovered account drained to under {$1.00} due to multiple fraudulent charges. Called Direct Express 3 times this day. Advised I need time to review all records. Requested account statements via mail and Charge Dispute documents via mail. 
XX/XX/XXXX = file online crime reports with local law and IDTHEFT.GOV XX/XX/XXXX = received account statements but not dispute packet XX/XX/XXXX = XX/XX/XXXX = received letter and " Questionnaire of Fraud '' dated XX/XX/XXXX XX/XX/XXXX = us mail Questionnaire and highlighted charges on each monthly statement XX/XX/XXXX = Direct Express ( D.Ex ) received my Questionnaire and evidence XX/XX/XXXX = received prefabricated letter ( other people got the same verbiage / letter ) Case Closed dated XX/XX/XXXX ( clear and repeated action by Direct Express to deny Provisional Credit required by law ). 
XX/XX/XXXX - Current = Fraud continued and D.Ex sent multiple new cards to fraudulent address or addresses. I have not had access to my new funds ( Post-Fraud benefit deposits ) since the middle of XX/XX/XXXX. D.Ex charged me fees over {$55.00} for all the Fraudulent cards they sent to the perpetrator ( s ). I have sent multiple faxes and Certified Mail ( got lost or was rejected ). Online research shows hundreds of people having nearly identical experience and lack of adherence to the law by Direct Express / Comerica Bank. No warning of possible fraud, no Provisional Credit. no confirmation or updates about a " Fair Hearing '' investigation, no responses to my evidence or attempts to contact. They won't divulge their email address or other phone numbers and their automated phone system is clearly designed to impede attempts to communicate with any department at both Direct Express ( contractor ) and Comerica Bank. 

Here is what should be done : First, admit to knowing about cases such as mine dating back to XX/XX/XXXX where there was no protection of funds, no actual investigation leading to denial of Provisional Credit, and insufficient or no effort by Direct Express / Comerica Bank to protect funds after being notified of fraud by account holders. Second, change business practices related to the years of repeated complaints by thousands of people. Third, refund all money in accord to the Provisional Credit law. Finally, send apology letters to all the people harmed by your actions and lack of actions.

Company response to consumer: Closed with monetary relief