BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
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: Public record information inaccurate

Complaint:
ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM " XXXX   '' XXXX..NEVER HAD ANY BANKRUPTCY

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 2021-03-29
Company: CURO Intermediate Holdings
State: DE
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:
Speedy Cash/ Ad Astra Recovery Services an online pay day loan is charging me {$1400.00}. I did not apply for this loan and I dont even know how they obtained my information. This is reflected on my credit reports. I disputed this on all 3 credit bureaus and XXXX was the only bureau to delete the item. Please assist with helping me resolve this issue. Speedy Cash online loan is falsely charging me for a debt that I did not incur. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM XXXX XXXX   XXXX XXXX..NEVER HAD ANY BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Are HUMANS viewing these complaints or superscanners? My complaint of Resurgent Capital Services L.P. was NOT a duplicate complaint! 1 ) My initial complaint was to XXXX, which is indeed a separate company! Is it not? I know for a FACT that if someone is doing business as Company 1, another as Company 2, and Company 3 -- THAT THEY ARE 3 SEPARATE COMPANIES. 2 ) That complaint -- as this one, since my other was FALSELY closed -- is about how Resurgent provided me with documents that, under the FCRA & FDCPA, DO NOT PROVE this fraudulent account to be mine! My complaint to XXXX was about how these frauds ( and XXXX XXXX XXXX XXXX ) NEVER RESPONDED TO MY LETTERS asking for validation of this account -- which is a violation of consumer law. They knew what they did and the person who responded to my complaint brushed it off! Therefore, please explain to me how these are duplicates ; these are two separate issues with THREE DIFFERENT COMPANIES! 3 ) I am absolutely outraged that the CFPB is condoning companies ' violations of consumer law! What do you exist for, CFPB? I was given statements and bills as " proof '' that the account was supposedly " mine '' when those are NOT valid means of verification! Statements, bills, and itemized lists of " what is or has been owed '' is NOT proper validation under the FCRA or FDCPA. You MUST provide an original contractual agreement in its original form, bearing my actual, wet signature. My signature was not on these documents, nor did they provide proof that the address ( es ) in the document were mine. Everything about an account must be properly investigated and validated. Until Resurgent provides actual original documentation bearing my actual signature and providing verified proof that the addresses were mine, then they remain under violation of law -- WITH THE CFPB 'S HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/XXXX/XXXX letting me know that the law firm was representing Capital One for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to XXXX XXXX XXXX requesting in writing a certification of the debt from the original grantor ( Capital One ). XXXX  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and XXXX # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and XXXX. I file a complain with TX XXXX XXXX XXXX, XXXX XXXX not give my information to any XXXX unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my XXXX because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
XXXX XXXX XXXX file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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 reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to M & M credit agency and they have been harassing me and falsely reporting on me credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have a personal loan at One Main Financial that I was 14 days late on the payment. They have called my cell phone 3 times a day, everyday, since the first late day. Today they called my employeer. Because I work at a casino and do not have phone access on the job, they must speak to a security officer, who then must leave his post, find me, have me taken to an office, and then relay the message. This happened a year ago when I was late with a payment and I told One Main Financial that they were not to contact me at work. Obviously, they still do. Furthermore, they will call from their office and employee cell phones, as if they are trying to conceal who is calling me, but I have all the numbers saved on my call records from my cell phone carrier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, CA for approximately {$21000.00} after down payment receiving financing from Nissan Motor Acceptance.  Upon purchasing the vehicle I set up auto-pay in order to make direct deposits in order to pay off the vehicle. From XXXX until XXXX I had never missed a single payment and was well on my way to paying off the vehicle. Upon the final payment, which should have been XX/XX/XXXX, I checked my account and saw a {$0.00} balance. At that time the account was closed out and I was no longer able to log on to the website. I had figured everything was taken care of and my debt was paid. About 8-months later I received information that I still owed {$410.00} ( the last month 's payment and the final balance ). Keep in mind I move around a lot being in the military so if they had sent me letters it was probably to a prior residence. After finding out the information, I called Nissan Financing and they were unable to help me, stating that my balance had been turned over to a collections agency, which I just recently found out wasn't true when I finally paid the remaining {$410.00} balance. 
I have recently disputed the claim just to get it taken off my credit report after paying off the final balance, but they acknowledged my payoff and refused to take the negative information off my report. My question is, what would be the sense in paying 59 payments of {$410.00} over the course of nearly 5-years, then simply disregarding the final {$410.00} installment? {$410.00} isn't worth not receiving a title or my credit being destroyed. Why in the world would I invest that much money into something I didn't intend to pay? Why would 59 payments be made at the same exact time each and every month during the duration, then suddenly stop on the 60th installment. I just want a clean credit report as all of my other accounts are clean and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: CT
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:
I received a second credit card from XXXX XXXX. Upon receiving the card I filed it away. Several months later, I received an e-mail from Experian Credit Service which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with Experian since I have an account with them. I could barely understand the person I talked to. I then went to XXXX and XXXX websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to 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 2019-03-01
Company: AMERICAN EXPRESS COMPANY
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:
My personal information was stolen according to a letter from the IRS, XXXX  AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX is reporting that I am an authorized user on a Capital One credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: WELLS FARGO & COMPANY
State: FL
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 had a Wells Fargo Credit card and on XX/XX/XXXX I awoke to an e-mail stating that Wells Fargo had rush requested my card be sent to XXXX XXXX XXXX XXXX XXXX I live in Florida - have my mortgage on my house with Wells Fargo in Florida the last purchase I made with this credit card was for a hotel in Florida and they still rush requested my card to TEXAS! 

Not only did they do this but when I called to inquire how in the heck this could happen the account representative told me about charges from XXXX and XXXX 's that were flagged as fraud. They were in fact fraud but I didn't get a notification or anything and even though they were flagged and we discussed this on the call they STILL allowed these charges to be put on my card! 

So, I had to call again and again and they closed that card and moved the balances over to a new card INCLUDING the fraud charges! I had spent hours trying to reconcile what they had done to no avail but they finally got the balance somewhere close to the actual amount owed. Although they made absolutely no concession for the hours and hours of my time that they wasted for their fraud. The circumstances of the situation are such that Wells Fargo is complicit by their gross negligence if not directly but I believe it had to be more direct, insider fraud. 

So, the account was closed a new onXXXX opened but I kept the new card off and did not activate it. Then on XX/XX/XXXX I awoke to another e-mail from Wells Fargo telling me that despite all of this activity identifying fraud on my card and all of my pleas for their help in preventing further damage they had shipped my card AGAIN to Texas : XXXX XXXX XXXX XXXX XXXX This could not have been done by someone calling in AGAIN after all the activity on my account and just saying send the card and an actual person at Wells Fargo so XXXX that they just did this. There must be more complexity to this fraud that is system related and that Wells Fargo is refusing to disclose. A colleague of mind XXXX found out her credit card was shipped to New York without her permission or knowledge after she heard my story and checked her account. 

I closed the account but I have no faith that XXXX can keep it closed and free from fraud so someone needs to step in and hold them accountable.

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 2021-09-27
Company: EQUIFAX, INC.
State: TN
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:
Toda7 XXXX i received an alert that the results of my investigation were ready. When I reviewed the results of the investigation it showed the account as paid rather than removed as requested. This was a medical debt that was paid. I provided proof of the paid medical debt and the case law instructing them to remove the debt from my credit file. I called and spoke to a rep by the name of XXXX employee XXXX and he told me that he did not need to look at my dispute and that the item would not be removed even though I cited the case law to him twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-11-13
Company: Penn Credit Corporation
State: OH
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:
Again, this company did not provide information supporting this debt, I requested Assignment of Debt, Method of verification and Agreement with company for service. The steps involved in the verification process as I have the right to know the names, phones, address if the parties involved per the Fair Credit Act and they did not provide this information with the 5 days of requiring this account if valid. 

Please provide certified mail with receipt stating that I received this information as they stated they need to " GET VERIFCATION '' They should have this information before they even placed this on my credit report. 

Account : PENN CREDIT CORPORATION # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX    15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS

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 2020-09-10
Company: ALLY FINANCIAL INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Bank : Ally Financial ( Spouse is deceased ) Auto loan was paid in full {$7700.00}. Payoff at the time of payment made for payoff was {$7300.00}. Ally Financial owes me {$390.00}. I have emailed and called them since XXXX third. I have payoff from bank who paid them and I have Ally Financial paid in full letter which is some what vague. I have been contacting them since XX/XX/2020. Ally lied and said they sent the check. They have had me repeatedly calling them. Each time they cancel the previous check they sent out. It is a cycle to prevent from paying me the money owed. I need the money owed to me from Ally Financial. They have cancelled the check 4 times and refused to provide the check numbers. Each time I call their XXXX XXXX XXXX it routes me to  XXXX call center where you know you will not receive a response. Not allowed to speak to anyone in US. Scam and fraudulent practices.

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 2023-07-27
Company: M&T BANK CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am unable to log into my mobile banking app. When working with M & T bank to solve the issue they told me that they were having problems confirming my identity in their records, but after confirming my identity in-person at the branch I was still unable to log into mobile banking on my phone.

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 2021-03-29
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: AZ
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:
There are a few inquiries on my credit report besides the accounts that I have that I do not recognize. These inquiries appear to have between XX/XX/2019 and XX/XX/2019. I would like these inquiries removed from my credit report because I did not apply for credit from these companies during that period of time.

Company response to consumer: Closed with explanation