BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: Allied International Credit Corp., (US)
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an automated recording call that said my son, who is XXXX, had a debt collector trying to reach him. It told me to hit a number if I was my son. I thought it was a scam and hung up. On XX/XX/XXXX my son received a letter in the mail from Allied International Credit Corp. The letter says that they are a debt collector and that he owes money and they have been trying to reach him. I XXXX about this company and the company they say they are collecting for and it appears to be a scam and I do not want to call them. The company says that my son owes {$32.00} to XXXX. I would like to have consumer finance reach out to this company to see what is going on here and if I need to file a Scam with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/19 I received an email from XXXX XXXX that a student loan was denied and it listed TransUnion as the credit reporting agency. When I looked on my credit report I could see a new hard inquiry had been done by XXXX XXXX on XX/XX/19. I did not apply for a loan with XXXX XXXX on that date. It had me listed as a co-signer of the application and allowed me to pull up a copy of the application. It lists clearly that I had not signed nor received a request to sign to be a co-signer. After speaking with my daughter she said she started the application but didnt finish it because she didnt have my information. I contacted XXXX XXXX to dispute the inquiry. XXXX XXXX said I had to call the police and prosecute my daughter for fraud to have it removed. I tried explaining that no she had not committed fraud, the application was never signed by me and therefore was never completed and they should not have run an inquiry without authorization to do so. The person on the phone just kept over talking me and telling me I had to press fraud charges. How can they run an inquiry on my credit report when the copy of the application they sent me clearly states co-sign never signed. I didnt get an email asking me to sign or anything. It was an incomplete application and never should have been processed to begin with. The inquiry should be removed from TransUnion based on that. TransUnion will not do anything without a letter from XXXX XXXX telling them to remove it from my credit report. Im not sure who made the mistake of processing an inquiry on my credit without permission, either XXXX XXXX or TransUnion but neither will help me to resolve the issue. My daughter didnt commit fraud the application was not completed and I never signed it so it shouldnt have ever been processed.

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 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On XX/XX/XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last PaymentXX/XX/XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XX/XX/XXXX, Highest Balance {$27000.00}. Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

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 2019-07-05
Company: EQUIFAX, INC.
State: OK
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:
on XX/XX/2019 I sent out notarized dispute letters via certified mail to XXXX, Equifax and XXXX credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act.

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN  FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the XXXX main credit bureaus have had 81 days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2020 I have Called chexsystem to follow up on a dispute i have made with them due to being a victim of identity theft. The representative said " please hold while i listen to the last call recorded with the previous representative '' because they didnt see a dispute filed. The representative then came back on the phone and apologized and said " Ms . XXXX you did call back in XXXX and the last person you spoke with did not put in the request as you requested ''. I said this is a serious Violation! under the FCRA this must be removed because i have a right to dispute anything inaccurate or doesn't belong too me! They did not remove it they violated the FCRA. This Must be removed and now they want to file a dispute as of XX/XX/2020 knowing it suppose to been disputed and they never touched it and they said they did.. Please removed this from my credit report. They have violated The statue of limitation.

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 2019-07-05
Company: EQUIFAX, INC.
State: CT
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 wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
XXXX XXXX  A/C # XXXX XXXX  XXXX  A/C # XXXX XXXX XXXX  XXXX XXXX A/C # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I filed bankruptcy and capital one was added to my bankruptcy i contacted them numerous times to have the card reported as bankruptcy but they keep updating it on my credit report as charged off. I need to have this debt validated showing i owe them and it was not included in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
equifax when identifying a consumer asks for all credit card info and then picks one it wants. all bank cards named and then says that is the one, instead of multiple choice like other 2 bureaus. it is nuts. i have 28 cc and 5 bank lns. to name them all from memory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XXXX to eliminate any financial penalties ( late fees, credit worthiness ) after suffering from an unfortunate and unforeseen life event leaving me with a $ XXXX bill. I was assigned to XXXX XXXX who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed XXXX bank couldnt process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasnt correct. I called XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially ( reporting and fees ) and she stated it would not. If she had responded to questions differently ( accurately ) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist ( XXXX XXXX ) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with ( & was told this would be the agreement I needed to honor for 12 months ) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately. Remove incorrect mark - this was removed last year and in the past few weeks inaccurately reconverted

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 2018-01-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I contacted One Main Financial for an installment loan of {$1500.00}. I was contacted promptly by the store located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. After leaving the store I realized I was also sold various insurances that I did not need for another {$1500.00}. So even though I only needed a {$1500.00} loan I was sold a {$3000.00} loan. I 've ran into some issues paying the debt due to a increase in child support. I contacted One Main Financial and asked that the insurances be canceled and a final balance sent to me for payoff. The company has refused and instead started a constant barrage of phone calls to myself, my employer, family, and parents. They call at least 10 times per day and my employer is getting upset. My parents are also upset as they are over XXXX years old with XXXX XXXX. Yesterday, my parents were waiting on a phone call from the XXXX XXXX. regarding a XXXX XXXX XXXX result. Instead they were met with more calls from One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX directly paid XXXX for my internet service at my resident. I never received any billing statement from XXXX. Everything was handled directly between XXXX and XXXX. 
I moved and ended my employment with XXXX on XX/XX/XXXX. I received a letter from XXXX XXXX dated XX/XX/XXXX to my new address attempting to collect {$120.00} for XXXX. I called XXXX on XX/XX/XXXX to resolve issue and they confirmed the account was XXXX corporate account. I also called XXXX XXXX to dispute my collection account. I finally received a letter from XXXX XXXX dated XX/XX/XXXX that they had reviewed account and resolved it. The letter stated " Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts. Rest assured that no information regarding this account has been reported to the credit bureaus by this agency. '' I thought this issue was resolved and closed. 

However, recently, I checked my credit reports on XX/XX/XXXX and I noticed a collection account is on my file. It damaged my credit score and my credit history. I have disputed with all 3 credit agencies. XXXX and XXXX did not resolve my issue. I requested XXXX  3 times : 1 in XXXX, 1 in XXXX, and 1 in XXXX to send me my dispute result in writing but I still haven't received any in mail. XXXX sent me the investigation results. The letter stated that the Collection account from XXXX XXXX XXXX # XXXX. I never receive any letter or any notification from XXXX XXXX XXXX before. This is the first time I am aware of the collection account from XXXX XXXX XXXX for the same creditor XXXX is on my credit file. How many collection agencies out there attempting to collect the same account for XXXX? How can I dispute when I never receive any mail or notification from XXXX XXXX XXXX.? 
Please assist me to resolve this issue and make sure the collection account is removed from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: BARCLAYS BANK DELAWARE
State: CA
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:
( My card was lost at 24/7 store on XX/XX/XXXX and returned back to me on XX/XX/XXXX, three fraudulent transactions were made during that period, which are- XX/XX/XXXX - XXXX XXXX XXXX - {$150.00}, XX/XX/XXXX - XXXX   XXXX- {$7.00}, XX/XX/XXXX - XXXX XXXX XXXX XXXX- {$27.00} ( Police report attached with claim ) Already faxed the claim form to barclays on XX/XX/XXXX, also filed a police report on XX/XX/XXXX. ( see attached ) Haven't heard from barclays since, barclays is not trying to resolve the 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 2021-08-15
Company: World Acceptance Corporation
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: Public record information inaccurate

Complaint:
XXXX  is allowing World finance to constantly report misinformation I am not in bankruptcy and I did not insert a world finance debt in a bankruptcy for 3 yrs world finance has reported negative inaccurate information and Im tired of it. if this world finance account is not completely removed with all its remarks in the next 24 hrs i will proceed with a lawsuit involving not only World Finance but XXXX  and XXXX  as well for over 60 days i have submitted documents showing there is no bankruptcy on file anywhere for me and the documents showing the inaccurate and reporting world finance have been reporting for 3 years. I have also pointed out to the bureaus and world finance that the Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

IM REQUESTING ONE LAST TIME THIS WORD FINACE ACCOUNT BE DELETED AND ITS REMARKS BEFORE THIS RESULTS IN A SERIOUS LAWSUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to understand why Portfolio Recovery Associates is reporting on my credit reports. Over the last 6 months, I have been disputing with the credit bureaus and have also sent debt validation requests to Portfolio Recovery but nothing has changed. The only thing they ever send is a letter stating that they found the account to be valid and copies of various billing statements. I requested that Portfolio Recovery provide a signed contract or credit application, amount owed, how much they paid the original creditor for the debt, etc but all they keep sending is a bunch of bills. I'm not admitting or accepting responsibility for the debt, but I do not recall opening a credit card with XXXX or Portfolio Recovery. This complaint is being filed to request that PRA provide appropriate documentation proving that the debt belongs to me or immediately delete this account from my XXXX, XXXX, and XXXX reports PERMANENTLY and not sell the alleged debt to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had a USDA Rural backed loan that originated in XXXX of XXXX. In XXXX of XXXX, this loan was assigned from XXXX XXXX  to Carrington Mortgage Services , LLC . 
In XXXX of XXXX, I modified this mortgage through the HAMP program. 
The loan balance of approximately {$160000.00} was reduced by a subordinate mortgage of {$43000.00} that would be due on XXXX/XXXX/XXXX, with no payments due in the interim. Leaving a 1st loan balance of approximately {$120000.00} at this time. 
On numerous occasions I have requested a payoff request and/or a lien release in regards to the subordinate loan from : Carrington, from HUD, from USDA, from FHA, and from XXXX XXXX XXXX. Each of these entities has denied that they are the servicer and/or can not locate any trace of this subordinate loan. The only payoff that was provided was by Carrington for the 1st loan, without including the subordinate loan balance. 
There are multiple loan numbers, case numbers, and reference numbers on my documents, but none of them are able to assist in the location of this subordinate loan. 
This issue is directly impeding the sale of my home as the title company is refusing to insure the title and the closing deadline is just a little more than 2 weeks away. I have advised each of these entities of the ARS 33-715 - regarding payoff demands and that I would be entitled to damages currently estimated to be more than {$330000.00} the offer on the home plus other costs associated with the sale and enforcement of my rights under this statute. Also, each entity was advised that under this statute that I am entitled to {$500.00} whether or not there are any damages incurred.

Company response to consumer: Closed with explanation