BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am being held responsible for a damaged item that was returned from XXXX for {$100.00}. I was promised a refund and never received it and XXXX mastercard is basically telling me to deal with them for my refund and merchant is telling me to deal with credit card .. I dont feel protected at all by the credit card company as a consumer..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Preferred Collection and Management, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: CO
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:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. WELLS FARGO XXXX XXXX  Inquiry : XXXX XXXX, XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2020-07-29
Company: National Credit Adjusters, LLC
State: VA
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:
For months have tried to dispute with XXXX & NCA Collection agency to investigate the collection account on my credit report. I have asked for billing statements, payment history, signed documents, etc. of payday loan. No response has been received from Collection agency ( NCA ) other than a sending settlement payment arrangement and no response from XXXX, other than " was previously investigated '' letter. According the Fair Credit Reporting Act, I am due a full investigation, proof of such, and correct reporting on my credit files. I have asked for this item to be removed from my credit report because it is frivolous and can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONSUMER ADJUSTMENT COMPANY INCORPORATED placed a collection notice on my credit. I contacted them about it and their agents were being childish and failed to disclose any information about it at all and simply were pushing me to pay the debt instead of validating it. i researched the company and they do this a lot. I have a sense that they bought my information somewhere and filed this debt scaring me into paying. This is their business model. They have no business relationship with U XXXX XXXX as confirmed by U XXXX XXXX. They should be investigated and provide appropriate contracts they have with their clients and how they got my information from steps A to Z. I will also be reaching out to my attorney about this matter since this company has a whole class action group of people it has been trying to take advantage of. I expect the CFPB to take this seriously. Simply do a XXXX search on this company and inquire of them how they got my information and what relationship they have with U of XXXX XXXX because I have in writing from U of XXXX and their XXXX that they do not have any relationship with them. This is also ruining my credit right now when I am house shopping and other things. I am expecting some penalty to be paid to me for my damages. This company claims they tried to validate the debt. This is false. I called twice because they were childish and pushing me to pay. They should release copies of the phone call. Their reign of terror over victims should be over and CFPB should lead the way. Just XXXX their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX County , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling XXXX  accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling XXXX account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to XXXX failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My FICO score drop to XXXX from XXXX suddenly on XXXX and when I search for " WHY '' i got notify from the bank to go for a credit report at XXXX which I did got the report. Per report- a Debt collection account opened on XXXX with a balance amount of {$170.00} which I didn't aware of that. I contacted with them and got replied- they sentmailed me and also call my cell-phone number but none of the calls or even letter I didn't received from them not even any debt related noticed. I moved from my old address to the new address on XXXX. I did the address change at USPS at the same time when I already moved and I received all my mailed that delivered to the old address and still continuing receiving but again- I didn't received any mail or noticed related with Debt collection. However, when I verified my address with the collection department they have my current address. 

NOTE : I didn't received any prior noticed or calls regarding this issue and my credit score drop due to collection department Debt procedure which damaged my credit history as well as to purchase my new vehicle and also to purchase some home appliance stuff. 

I would like to request to pay attention to this matter and help me to resolve this issue as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rep for Carringotn mortgage posted sale on door for XX/XX/2020! Asked for covid disaster relief, faxed in XX/XX/2020 and as you can see faxed XX/XX/2020 and XX/XX/XXXX but still foreclosure? Rep said on hold til XX/XX/2020 but a foreclosure for a XXXX XXXX loan! Was on unemployment just started back to work this month, i make XXXX  and hour now but need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: VA
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 have filed several complaints with this company regarding this unverified account that is reporting on my credit file. This company ( XXXX XXXX XXXX ) provided protected health information without an authorization which is also a HIPAA violation. I have notified Experian of this violation and they refuse to comply with the law. Experian have repeatedly violated the FCRA by continuously reporting an unverified account that is in violation of HIPAA. My last letter to them explaining that this company has to have a signed authorization before releasing any type of medical information to me or to anyone else. Experian refuses to comply and is currently reporting this account as " Meets FCRA requirement '' which it DOES NOT meets FCRA requirements. Experian must be held accountable if they refuse to follow the law regarding reporting an account that is in violation of HIPAA.

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 2020-05-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So I was asking on XXXX if anyone is willing to sell a XXXX charm for XXXX XXXX XXXX, and I saw this guy is doing a give away on the XXXX charm. And he said he was willing to sell it through paypal, the thing is after I sent him the money via paypal he blocked me and did not give me the XXXX charm that I wanted and requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: VA
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:
Several weeks or more than 30 days of investigation into a problem and has not been solved. the worst is that More than 30 days of continuous retaliation by Equifax which became more visible now in at least Blacklisting my information and/or participating in blacklisting against my person now there is clear and convincing evidence of that which is a fact now. Equifax did not comply to the FCRA. Equifax blacklisted my infirmation to deny my right to get my credit report free under FCRA in my situation. Equifaxs retaliation against me violated my consumer rights in violation of the Dodd Franklin CFPA of 2010 ... .etc all rights reserved by my person and all stated herein is to current state of belief knowledge and understanding and all is subject to anything by my person only and at anytime and without prior notice and without waiving my rights under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Patient Accounting Service Center
State: NV
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:
A company called XXXX continues to claim I am not paying per the agreement. I pay the bill on their website on XXXX-XXXX-2018 for {$100.00} which is more than the agreement. The bill is due on the XXXX-XXXX-2018 they are claiming it did not post until the XXXX. Then send threatening letters that I am not keeping to the agreement. That my response is unsatisfactory. And that the balance will be due in ten days. 

Customer service just keeps repeating claims that it did not post until the XXXX and that it is my fault. Even though on their own website it shows that it was accepted on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: MM Finance, LLC, Bellevue, NE Branch
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have bank statements proving i paid!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: AL
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/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: JFK FINANCIAL INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Very simple : " JFK Financial '' at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( phone number XXXX XXXX XXXX ) was entrusted with my XXXX and XXXX tax returns and additional financial information for the purpose of reviewing mortgage possibilities. Two gentlemen, first names XXXX and XXXX, were given that information by me in the XX/XX/XXXX. I went to inquire in XX/XX/XXXX ( when I was more ready to purchase a home ) as to my information in an effort to understand what I would be approved to get in the way of a loan ; those two are gone ... ... the files are gone ... ... ... ... .JFK personnel told me they " THINK '' THE INFORMATION WAS SHREDDED. 

My complaint is : identity theft is REAL, financial data was entrusted to them and they have, at best, mishandled it. All I ever wanted, asked twice for it through XXXX and from desk secretary the last week in XX/XX/XXXX, was/is : an apology statement from an officer of the firm saying it was shredded and any identity theft issues, should they arise, might be attributed to their negligence. That's all! 

It seems to me that, at a minimum, your office should reprimand and/or fine them for this negligence. As of this writing, I have heard NOTHING from JFK regarding this matter. Their arrogance and incompetence is an issue for you to address. The AG of NV has this complaint and soon the NV Mortgage  Lending Division will as well. I implore you to investigate the mishandling of information and JFK 's failure to acknowledge such and to apologize for same. 

Thank you, XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX cell

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 2018-06-25
Company: AmeriCollect
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:
In XX/XX/2018, I sent a certified letter with return receipt to Americollect regarding 2 erroneous and unverifiable entries that they are reporting on my credit reports. This was my second attempt to seek validation on the reporting of this entry. Americollect has not one time provided a dunning letter prior to placing this entry on my reports, nor have they attempted to respond to my requests. 

In my latest correspondence to them dated XX/XX/2018, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release any medical information regarding the alleged debt as well as cease any credit bureau reporting until the debt had been validated by me. Americollect did not. This entry 's insertion on my credit reports is a blatant violation of my consumer rights and the mere fact that I have requested in writing, to this company, to provide specific information regarding this alleged debt and they did not respond, nor have they responded in well over 60 days, is yet another notable violation. 

These entries must be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally signed up for an account thru XXXX when a purchased a XXXX XXXX phone on XX/XX/XXXX. I was not satisfied with the product and requested a return on that was approved on XX/XX/XXXX. I then shipped the items back on XX/XX/XXXX and they were all received on XX/XX/XXXX at XXXX via XXXX Tracking numbers XXXX. I then started to be contacted by your firm almost on weekly bases that my account was delinquent and that you have no record of this return as it takes 60-90 days between your firm and XXXX to confirm the returns. I offered to provide proof of returns via the tracking info and return information and your representatives were very helpful and sated that they would note the account. Yet the calls continued, and I started to notice that my credit history was being affected via a delinquency on unpaid credit account. 
On XX/XX/XXXX i received the attached email from XXXX that a credit was issued. Yet I continued to receive bills from your firm that I still owe late fees on a returned item. I contacted your representatives and they stated that this matter was going to be resolved and that my credit history would be cleared up. My last conversation with your representative XXXX, XXXX was at XXXX EST on XX/XX/XXXX. To date my credit remains with negative/derogatory information from your firm. I believe that I have given your firm ample time to correct this condition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor XXXX doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with XXXX when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. XXXX furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.

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