BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: World Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a loan thru XXXX XXXX in XXXX, MO. In XXXX, I notified the office that I had retained an attorney for bankruptcy. I have received 3 phone calls within the past 3 business days ( XX/XX/18, XX/XX/18 and XX/XX/18 ). I have continued to ask they contact my attorney ; however, they are not and are calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several months ago, I was deluged with phone calls from a company called XXXX as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified XXXX  as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from XXXX  representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Monday, XX/XX/2022 at XXXX XXXX  my consumer rights was violated adverse to my interests as a consumer I XXXX XXXX XXXX was discriminated against on my credit card application for a Business secured credit card in the amount of {$2200.00} by First National Bank of Omaha underwriter XXXX, In good faith for exercising my granted right for applying credit under 15 USC 1602, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction 15 USC 1691 please reach out in regards to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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:
I submitted request to XXXX regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau . Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report.

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
3. My current address is XXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I received a text message from my bank regarding a suspicious credit card charge at XXXX XXXX. The {$1000.00} purchase was made at XXXX XXXX on XX/XX/XXXX on Visa XXXX XXXX XXXX XXXX. I was in possession of my card at the time of the transaction and I did not authorize the purchase. I disputed the charge with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started to complete online information about my property on or around XX/XX/2021, however, I did not submit it. However, the system recorded some of my information, and I was contacted by Quicken Loans. My hesitancy was that I did not want a HARD hit on my credit report since at the moment my property has no equity compared to its market value. Well, to my surprise a Quicken Loans agent contacted me, and explicitly communicated to him that I did want a hard hit on my credit report knowing the above information. The creditor 's agent, Quicken Loans assured that he would access my report with a Soft hit. My credit report was locked and it took a couple of days to unlock due to technical difficulties.To my dismay, and frustration I received my monthly XXXX report and it indicated a Hard hit on my credit report by Quicken Loans on XXXX XXXX. I contacted Quicken Loans and escalated the matter to which they replied it would take a few days to research. The representative contacted today Thursday XX/XX/2021 to inform that they could not remove it. I NEVER agreed to a Hard hit on my report I responded. He informed me there was nothing else he can do until it is escalated. This was a misrepresentation by the creditor 's agent in order to access my credit report, and afterwards tell me that I did not qualify for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!

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 2018-09-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to a new company, I was notified via a letter dated XX/XX/2018. In the letter it stated in order to set up electronic payments, as I was currently making to my old mortgage company " XXXX XXXX XXXX '' as I had since the loans inception, the new company CMS ( Carrington Mortgage Services ) states it would cost a {$5.00} fee unless prohibited by law. I called the CMS customer service number on Friday XX/XX/18 and explained that I could not access my account using their provided loan number. They explained the account was not fully set up and I would have a 60 day grace period whereas there would be no late fees charged. I then explained I had never had to pay any charges to pay electronically and this option was needed for me since I travel for work and need the ability to pay this way. They said there were other methods available and I could use them instead of paying what they call a convenience fee of {$5.00}. Other options : I could pay a {$10.00} fee and use XXXX XXXX or I could purchase stamps and mail payments when able to ( I'm not always near a post office ). Another option ( which is free ) is I could set up automatic withdrawals from my bank account. I am not comfortable with this method. 
As I see it, if an existing loan was sold, it should be sold with the same conditions that exist with the old loan. The customer should not have to pay additional fees for features that were already there. As far as convenience goes, it is more work for the bank to open a letter and then input the information in a computer than it would be if I paid electronically, the information would already be in the computer system. 
Another problem is CMS wants to increase my payments so they can have a larger escrow balance. Why? 
In conclusion what I'm looking for is the same terms that were in place with the old mortgage company. Please help. Is this legal and what are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Identify theft report including a police report was sent to this company. This company refuses to correct the record causing i great financial harm. This company has continued to engage in Fraudulent reporting for almost a year. I have send numerous letters to this company yet they refuse to correct the record nor supply ANY shred of evidence of how they determined any of the accounts are valid.

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 2018-09-10
Company: JPMORGAN CHASE & CO.
State: SC
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:
XXXX  verified a charge off submitted by Chase Bank referencing data that was afforded to me XX/XX/2018. I sent Chase Bank a certified letter XX/XX/2018 requesting the documents with signatures verifying that Im the account owner of the named charge offs. To this date XX/XX/XXXX 18 Chase did not verify that the information on my file has been disputed as per the FCRA ( 30day ) requirement and still has not provided original contracts with MY Signature verifying that the accounts are mine. I have a son with the same name and have mixed file problems in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I RECEIVE A SUMMON TO APPEAR IN COURT ON XX/XX/XXXX FOR A CREDIT CARD DEBT.THIS COLLECTION DEBT IS THREE YEARS OLD. MY LAST ACTIVITY ON THIS CREDIT CARD WAS XX/XX/XXXX. THE DEBT WAS CHARGED OFF IN XX/XX/XXXX.XXXX XXXX  IS TRYING TO SUE FOR THIS DEBT WHICH THE STATUE OF LIMITATION IN MISSISSIPPI HAVE EXPIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: IN
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 keep receiving emails from Equifax that my dispute has been resolved, but I cant access my results because they STILL have all the incorrect information. 

This is a folIow up complaint to # XXXX-XXXX Because you can only dispute 5 items on the credit report, theyre only investigating the 5 even though I have indicated that every record theyre reporting is incorrect. 

Equifax has been aware of this issue with this same woman since XX/XX/XXXX and when she was convicted of it in XX/XX/XXXX I sent the court paperwork to them for my file and THEY CONTINUED to report inaccurate/fraudulent information on my credit history!!

Ive been waiting 9 years for Equifax to get fix my account and I find it COMPLETELY UNACCEPTABLE that they arent removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX. I think Ive waited long enough. I cant fix or dispute any other accounts if I cant access the results or my credit file online. They dont get 30-60 days because theyve already had 9 years! 

THIS. IS. INSANE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 disputed a bankruptcy that has been reported on my credit profile by XXXX. I received a correspondence stating that I needed to dispute the bankruptcy reporting with the data furnisher, XXXX XXXX. I disputed the inaccuracy of the data furnished by XXXX XXXX stating that there was an error on their part and that my profile was mixed with someone else 's with a similar name ; they removed the bankruptcy reporting from my profile on XX/XX/XXXX. I then resubmitted a dispute to XXXX. XXXX  replied in XX/XX/XXXX stating that the reporting was verified with XXXX XXXX as being accurate. XXXX  is being dishonest. I have attached the correspondence from 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 2020-08-20
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:
I received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items from my accounts as soon as possible.

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 2021-08-13
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I contacted Continental credit control account number XXXX ( on credit report ) to request for them to remove the collection that shows on all my credit reports the amount being reported is {$480.00} for medical. I spoke with a XXXX XXXX and I asked for them to remove/delete item from all my credit reports advising them that its pasted the California law for statute of limitations as it has been over 4 years ( has been since XXXX ). Miss XXXX at that point informed me that she would do no such thing because they are not obligated to do this and that this limitation does not apply to them! She told me that they could still collect no matter what the statue of limitations is, but they can collect from me as long as they want. XXXX XXXX was very rude and unprofessional and demanded for me to pay if I wanted to get it taken off of my credit report. The California law needs to be in-forced for Continental Credit Control and to be accountable for their lack of negligence. 
I have also disputed with XXXX report number XXXX and XXXX dispute # XXXX they rejected both request to remove and stated was accurate which is incorrect due to the time period as the balance maybe correct but the negative medical credit report time frame is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation