BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
cash central loan was bought by their subsidiary and paid off yet it is still showing on my XXXX and XXXX  credit reports as a negative account. I am being doubly credited on my credit account. one of the accounts needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2019, I switched my phone from XXXX XXXX XXXX to XXXX. I called twice and spoke to representatives and attempted to pay my remaining lease off. They assured me there was no balance. If I had paid, XXXX would have reimbursed me. They were confident there was no balance. 

Then, I never received one bill from XXXX XXXX XXXX until I finally received a letter to settle with collections. I would have absolutely paid it and in fact tried to. 

Since then, I have paid directly with XXXX XXXX XXXX and would like this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rentdebt collection agency is reporting a collection on my credit from an apartment complex that I paid in full. When I noticed it on my credit, I contacted Rentdebt and then I sent them a validation request. They won't respond, but they continue to report it on my credit. The apartment is XXXX At XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXXXXXX XXXX XXXX did not have permissible purpose nor authorization to access my credit report in XX/XX/2017. I have repeatedly requested the authorization including the credit report but they deny. As proof, XXXX XXXX XXXX XXXX sent an incomplete and undated copy of an application which included an area for authorization.

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 2019-10-23
Company: Capital Markets Cooporative, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CMC Loan Servicing gave me loan numbers for two of my mortgages with them when they bought my loans. I then set up automatic payments using those loan numbers. They then switched the loan numbers without giving me any notice of the change. So, my automatic payments were going to the old loan numbers. They then turned around and said I have not paid for two months. I called in and explained what happened. They assured me that they would take care of it, but did not. Then I had my bank call them and showed them proof of payments. They said they would fix it, they did not. Now I just received a Notice to Foreclose on those 2 properties. I called them back. No one returns my calls. This is by far the most horrible company I have ever done business with. My next call is to a lawyer. The one after that to all the regulatory agencies I can find to let them know what they are doing. For XXXX XXXX XXXX. XXXX, MS , the first house, the old loan number is XXXX. The new loan number is XXXX. For XXXX XXXX XXXX XXXX, MS the old loan number is XXXX. The new loan number is XXXX. The payments that according to them I did not pay are for XXXX and XXXX, but I did pay them. They have also negatively impacted my credit score because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2018-11-26
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A person named XXXX left a message on my mobile phone number which is on the Do Not Call Registry and also at my work voicemail. The voicemail said there was a file in their office for court proceedings and to contact XXXX. Before I had a chance to contact them, they called my work number again asking for my name and the payroll department which the call was transferred to me. I took the call and they only identified their name but not the company and started threatening me in regards to a debt with XXXX. I was surprised and asked the name of the company, but the individual would not let me speak and said there was a judgement and case file on their desk and they would garnish my wages. 

When I informed them of the FDCPA rules about not contacting me at work, to please cease calling my work number and mobile number and to send a written notice of validity of the debt, the person continued yelling stating I was being unreasonable and to expect a written court notice to garnish my wages and then they hung up on me. I called XXXX and found out the previous debt was sold to XXXX XXXX XXXX or XXXX XXXX and given the contact number of XXXX XXXX XXXX XXXX to call. I did call that number twice and kept getting voicemail. I finally left a message stating again to not contact me at my work number or mobile phone and to send written validity of proof for any debt owed. This company has called at least XXXX times in one day within a span of XXXX hour time frame and used threatening means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX was reporting to all credit agencies that I was over the credit limit. They updated only XXXX. Equifax and XXXX has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Jefferson Capital continues to communicate with me through mail without my permission. They called 3x per day15 USC 1692c ( a ) and were using abusive language 15 USC 1692d ( 2 ). They are violating my right of privacy. I sent them a cease and desist prior and told them over the phone to stop contacting me. They are violating me big time. This alleged debt that I do not owe. Collections agency are stepping out of their lane. I was not sent a letter to dispute or validate this debt. How did they get my information? They bought my information from the credit card issuer without my consent. They sent me a letter telling me to pay debt and get a credit card through their company. Jefferson Capital created a deceptive form to coarse me into paying an alleged debt to them 15 USC 1692j ( a ). Jefferson capital are civilly liable for violating me. I went ahead and mailed Jefferson Capital And the CFPB a copy of my documents via certified mail. I also attached the below. My documents are notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In 2019 I was new to the country, I was so happy that I got my paper and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. 
I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. 
Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. 
It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information.

15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues. 
I have been harmed, discriminated and it's hurting me and my family. 

I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liabilit

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 2019-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the date of XX/XX/XXXX, multiple transactions we're being processed without my permission. The weirdest part is that they we're being approved in Florida. I never gave anybody consent to use my cards nor do I have any business out there. I've reported this to Well 's Fargo and they still haven't resolved anything. I would just like this issue to be resolved and in hopes that I can get my money back.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE INFORMATION AND ACCOUNTS THAT SHOWS ON MY CREDIT REPORT ARE INACCURATE. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card 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:
I have got variety call from 3 different numbers stating the same thing and same last four of a card XXXX ( XXXX XXXX ) they are going to take me to court XXXX saying they are your collation agency/ sold this account to them to bill me for a capital one card ending in XXXX for {$2000.00}. 

XXXX ( XXXX XXXX XXXX they are the department that is going to take me to court. they state I had a secured card with capital one. 
all three have been super rude they do not want to give me there information and hang up on me then block my calls XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: TX
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:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  XXXX XXXX Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This company is showing a Judgement on my account with a balance. This Judgement was paid in XXXX, Collection Agency dates that it was paid in XXXX. It is now XXXX and it is still showing on my report and its showing a balance instead of paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened an account with Citi bank online and funded {$8000.00} on it. 
However I was not able to access my account in any way and I dont know how to access my funds or use this account. 
They sent me emails and letters since I opened the account but with no account number information. I tried using the website and the app ( as I have their credit card ) and my checking account did not appear. 
I tried calling and spent 30 minute on the phone getting transferred and they couldnt help me and hung up on me. 
Then I tried messaging them on the app and they were unhelpful for 10 minutes till I gave up. 

I need help releasing my funds and closing this account, and get compensated for the hours wasted and time value of my funds.

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 monetary relief
Consumer complaint received 2023-03-13
Company: V and H Portfolio
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a collection agency that was on my credit report. It is Vance and Huffman , LLC for {$740.00}. It still does not show on my credit report that it is paid in full. I have asked the company to please report it to the credit agencies. I was told they would. I wanted it to show paid on my credit report to make my self look better and more responsible. Since I paid this debit I want something to show for it. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Mortgage will not give me my amount when I call them to how much money was paid into the loan before foreclosed. 

Every time I call them its the run around on hold forever. When some one gets on the line its not even about what I 'm requesting. They always trying to tell me something that has nothing to do with the issue

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 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2019 I received my return certified mail receipt back through the mail. XXXX and Transuion did not do a thorough investigation of the accounts that I had disputed which include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was alerted through email that the investigation was already completed on XX/XX/2019. 

So, I am asking that XXXX and TransUnion under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX and 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 2023-02-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation