BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX Transunion, and XXXX and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.

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 2017-11-03
Company: MCMC Auto LTD
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have advised Mike Carlson Motor company to cease all communication with me. I asked to not be contacted via phone or email. I received 3 emails on three different days after being told to do not contact me. I have been in contact with the company by me dialing in. I have made them aware I 've been in the hospital and XXXX XXXX XXXX. This company is using scare tactics, false statements and practices on its customers. I have spoken to countless managers and also spoke with the general manager or asst general manager about my complaints and concerns with this company. This is an ongoint issue and is now harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
State: NY
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2019-06-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job. 

Through an IRS ( Internal Revenue Service ) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold. 

Any child support, Disability, Unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we wont be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court. 

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. It is a mandatory process before filing LAWSUIT we have to inform the defender by any means. 

Our intention is not to threat you, it is only an effort from outside to settle this case outside the court. 


Come back to us ASAP, as the case in hand is time sensitive. 


Your Sincerely, XXXX XXXX Sr. Executive Consolidation Dept. 
ACE CASH EXPRESS _______________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
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:
On or around XX/XX/2018, my mother received a phone call asking for me and telling her I need to call them because there is a warrant for my arrest. Later that day, my Father who lives in a completely different state called and said he received a similar call stating if he did not give them my contact information, he would be sued along with me. I finally decided to give them a call because I do not get into trouble criminally so I was intrigued. When I called, I was immediately threatened with a lawsuit if I did not pay the amount owed on years old debt. I clarified with them that this was a debt situation and not a criminal suit and they said yes. I asked them why they were contacting my family in regards to a debt as if I am facing jail time. They continued to ask about my financial situation. I informed them that I had been unemployed for over a year and am now XXXX  and on XXXX XXXX and did not currently have an income. The representative then stated well if you can't pay all of it we will push your lawsuit through. I explained to them that there is no possible way for me to pay them in the condition I am in now but since I am now aware of the situation, I will rectify as soon as I am able to work again. I also asked them not to contact the number I called them from because it was a family members phone I was borrowing or my parents. They assured me that they would not call that number but, this morning ( XX/XX/2018 ) that family member received a call in regards to my " case '' and got scared. Once I spoke with them they again told me to contact their " legal locating office '' or they will come to my last known address/work. At this point I am feeling harassed and backed into a corner on a situation I can not amend right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
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: Information belongs to someone else

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX   account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Need for XXXX, Equifax, and XXXX to REMOVE these accounts that were Furnished without my written consent ; 15 U.S. Code 1681b. In order to furnish my report, You must have my written consent. I did not give my written consent and I did not give Anyone written consent to login to a court website, and furnish my information Upon my consumer report. I have the right to privacy as a consumer under 15 U.S. Code 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: GA
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 contacted Equifax about inquires I did not authorize and I also made them aware of my information being compromised on the dark web therefore I needed my report locked and the inquires removed I was ask to file a report which Im doing by following up with you guys

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
In the process of refinancing my home, my mortgage loan officer discovered a credit inquiry registered by Equifax XXXX on XX/XX/2021. I have a " member no. '' that was referenced in the inquiry but, besides the date and the credit reporting company, that was all the information my bank produced. However, after contacting Equifax in the US, the representative researched the inquiry and determined the company placing the credit check is XXXX XXXX. I have no knowledge whatsoever of this company and have not sought credit from any XXXX company. Therefore, my concern is that my credit report is being fraudulently accessed. I want a fraud alert placed to monitor any subsequent inquiry from this company and to make access of my credit information less readily accessible without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Williams & Fudge, Inc
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Debt Collector: Williams & Fudge, Inc. 
Name of person: XXXX XXXX - XXXX

I have been called 8 times in the past 4 days by this company, and they have contacted my mother several times as well. My mother was not a cosigner on this loan, and they should not have her contact information. These loans need to be rolled into the rest of my consolidated federal student loans so that I may fairly pay them off. It is relatively low balance and does not merit this type of aggressive harassment and collection. My current monthly consolidated payment is $XXXX due to a low income, so I should not be harassed for this amount. I have been given no options for monthly repayment, and instead me and my family are getting harassed. I am happy to figure out a low payment plan, but this is getting out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, XXXX I entered a complaint through your organization against PayPal XXXX # XXXX. Please review the previous information I sent you for the full details. On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX responded to my complaint. I read his response which said " Nonetheless, on XXXX XXXX, XXXX, XXXX issued reimbursement in the amount of XXXX ... and. On XXXX XXXX, XXXX, Paypal issued additional reimbursement in the amount of XXXX to your Account Balance for the payment. '' I checked my PayPal account and neither amount was put in my account. I have called XXXX XXXX XXXX three times by phone and left voice mail informing of the lies in his letter. All three times I have pleaded with him to at least call me to try to resolve this issue. No Reply! In my original complaint I asked that 1 ) I get my  XXXX back, 2 ) I wanted renumeration for the 3 certified letter fees I incurred because they refused to answer any correspondence I sent approximately XXXX, and 3 ) I asked for some renumeration for the anguish this has caused me ( 6 months of their thinking I would go away by ignoring me ) I left the amount of the anguish amount up to there discretion. Well since they do n't want to recognize my existance, I want XXXX for the continued anxiety they have caused me. Please help me, I ca n't afford an attorney and they know that! They are just playing games because they are XXXX and they are treating me like an ant. I need a serious reprimand and a serious Fine by your organization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: AMERISAVE MORTGAGE CORPORATION
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with a separate company on XX/XX/21. From XX/XX/21 forward, I have received calls every day multiple times per day from Amerisave Mortgage which is not the company I am working with and Amerisave Mortgage refuses to stop calling. I have told them every day that I want to be removed from their list and they continue to call the next day. This harassment is both unprofessional and illegal. I have blocked their number and they call from a different number. I have never inquired with them and they have never disclosed specifically how they received my information. I just want the harassing calls to stop.

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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am communicating with XXXX XXXX XXXX for the delinquent reporting on my consumer report. I have disputes with TRANSUNION, XXXX and XXXX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with TRANSUNION AND XXXX and transferred, closed, written off for {$400.00} with XXXX. XXXX XXXX XXXX is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

TRANSUNION ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
XXXX ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
XXXX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because TRANSUNION, XXXX and XXXX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.

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 2019-06-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my equifax report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named XXXX XXXX reported the exact same fake medical collection accounts - equifax would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with XXXX on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.

Company response to consumer: Closed with explanation