BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: Hewitt-Capital
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/XXXX and advised that their client was XXXX XXXX  and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/XXXX. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ID Analytics, Inc.
State: NY
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:
I'm composing this complaint to SAGESTREAM. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate.

They have committed countless violations and has blatantly shown total disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Valor Intelligent Processing, LLC
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:
In XX/XX/2022, Valor VIP called me XXXX  times with the number XXXX. When I picked up, no one spoke, which seemed like a robocall or gathering voice samples for phishing. I later XXXX  and learned that they were a debt collection company, but I had no debt. I didn't understand why they repeatedly bothered me.

I hope they stop calling people unrelated with their business.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, 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:
not mine fair credit report act violations : Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, 943 past due as of XXXX XXXX. 
Status XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the collection Agency : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX XXXX XXXX TO XXXX PST Email : XXXX Sent a letter requesting to pay a debt without further information. We asked for more information and said we believe this to be wrong and gave the reasons why. They refuse to give us more information and keep acting like this needs to be paid now they are saying its urgent. We thought this was scam because of the unprofessional but it is legit. They have called me asking to pay and we repeatedly say we need to see proof they have no proof. They are being very short and unprofessional not saying anything but the amount we owe. Please see below what we have said to them : " Dear Genesis, Your reply is unresponsive to my email. I accept your reply as an admission that Genesis failed to verify the charges and Genesis does not possess any documents supporting the alleged charges other than the lease agreement. Please note that the lease agreement does not verify or support the charges. Despite our repeated request for verification, we have not received verification for the unsubstantiated alleged charges you seek to collect. 

Regards, XXXX XXXX, XXXX. '' Right after this they asked to pay. They are not legitimate or not doing this properly they should be flagged or audited for poorly doing business according to the law and our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Experian Information Solutions Inc.
State: IL
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 submitted a dispute with Experian on XX/XX/2018 for my accounts to be properly verified and once verified. However, they have still not identified who their company verified the accuracy of these accounts, or how they verified them? Nor have they provided the physical proof of such verification. Under the FCRA section 616 and 617 it's Experian responsibility to authenticate the documents their files that were used to verify the disputed accounts.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
WF froze my account due to many XXXX that customers send to my account. They allowed XXXX to continue flowing in until I was ready to wire the funds to order products they froze my account and noted that the account will be closed on XX/XX/XXXX and funds to be disbursed thereafter. Today XX/XX/XXXX when I called them to enquire about my funds they said theyve extended the closure date till XX/XX/XXXX all while I lose business opportunities. 

I am requesting that they closed my account now and return all my funds back to me or give me access to my funds so that I can transfer them elsewhere. 

Its unfair that they are holding my funds for no obvious reason and then profiting from my funds while I lose on great opportunities.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am filing another complaint because Wells Fargo Bank continues to misrepresent the truth in my case. The latest correspondence came on XXXX. Again they stated, as per their tape recordings, that I only applied for a {$20000.00} and never asked for a {$10000.00} as I have asserted over the last year. In XX/XX/XXXX, I applied for a {$10000.00} loan with loan consultant XXXX XXXX. XXXX XXXX stated since my house is almost paid for, I should borrow {$100000.00}. I told him that I am a XXXX XXXX  on a fixed income and I can only afford to pay back {$10000.00}. He began to badger me and tried to force to borrow {$75000.00} which I also refused and refused his next offer of {$50000.00}. He continued his rude tactics trying to force me to borrow XXXX XXXX.At that point I informed him that I have a XXXX  XXXX  and he is causing me to have an XXXX XXXX. He continued and told me that. I was not going to get a {$10000.00} loan because there would be no benefit in keeping the loan at {$10000.00} due to the closing cost being rolled over into the new mortgage. This is evidenced in the correspondence submitted dated XX/XX/XXXX on page two, third paragraph. The fact that XXXX XXXX also tried to force me to borrow more than I could afford to pay back is evidenced n the correspondence submitted dated XX/XX/XXXX, on page two, third paragraph, where Case Specialist XXXX XXXX stated that XXXX XXXX recommended the higher amounts to save me on out of pocket closing cost The correspondence today again insisted that their tape recordings prove that I only asked for a {$20000.00} and never asked for a {$10000.00} loan which is totally false. I asked for copies of these tapes as per the Freedom of Information and The Open Records act but my request was refused.

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 2022-05-18
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for loan forgiveness for XXXX University and XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX was part of a lawsuit and lost, I was told that I qualified for loan forgiveness as I fall into the category of the lawsuit. When I call to check on my application I always given a different timeframe, first I was told 30 days, then I was told 3 years, and the last phone call I was told by the end of XXXX or XXXX I would have an answer. Every time I call I'm told something different and I don't know what to believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 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 In accordance with the Fair Credit Reporting act. All accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2022-07-12
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls from Diversified Consultants five to six times a day almost every day of the week. I have requested that they discontinue all calls as a result on several occasions but they just increased after the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt from Affirm account No # XXXX for XXXX paid on XXXX 2021 refusing to update my credit report. I have proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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:
XXXX and Transunion credit bureau and others display fraudulent, inaccurate, information on their credit bureaus that is severely damaging to me. I have tried through more than ten different disputes submitted to both bureaus to have this harmful degrading information removed. 
The subscriber is XXXX XXXX, account number XXXX. 
Both bureaus possess the same historical and balance information here. I have only included a third party report, an XXXX product, as Transunion, -- -it is difficult and time consuming to get a new report because I am blocked by Transunion in their new ridiculous EXTRA SECURITY system ; that if I get interrupted while in the middle of their newly lengthy process to get anything done, I WILL FOREVER BE BLOCKED ... THEN I HAVE TO CALL XXXX WITH UNBELIEVABLY LONG HOLD TIMES TO GET UNBLOCKED. 
The point is of this recitation is that I am certifying that I have exactly the same reporting errors on Transunion and do not want Transunion to escape liability for their erroneous and fraudulent, damaging, relentless, reporting of false information on me. THE INFORMATION IS FRAUDULENT ON THE FACE OF THE RECORD TO ANY COMPETENT HUMAN WORKING IN THE CREDIT FIELD WITH A BARE MINIMUM OF INTELLIGENCE. THE BALANCE HISTORY FROM XX/XX/XXXX THROUGH XX/XX/XXXX AND ACCOMPANYING HISTORICAL INFORMATION CAN ONLY BE EXPLAINED AS THE WORK PRODUCT OF SOMEONE IN THE MIDDLE OF A XXXX EPISODE. WHAT I MEAN ... ..IT IS IMPOSSIBLE FOR THIS INFORMATION TO BE CONSIDERED ACCURATE BY ANY REASONABLE PERSON. IT IS IMPOSSIBLE FOR THE INFORMATION TO BE CONSIDERED ACCURATE ... YET BOTH BUREAUS SIMPLY DO WHAT XXXX XXXX WANTS AND VERIFY REPEATEDLY THIS ABOMINATION. 
SEE THE ATTACHED CREDIT REPORT FROM TODAYS XXXX. XXXX REPORT NUMBER 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 2021-01-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was in process of moving. Had been using all the rental sites. XXXX had a button to push if you were interested in a place. I did that and someone called me. They asked my credit score and had I been evicted. Then stated if I was really serious and sent them XXXX they would take the house off the market. He told me to do a XXXX  transfer. I thought because I was doing it through my bank I would be safe guarded. I was only able to get XXXX thank goodness. I tried to stop the processing but it was too late. I called wells fargo and still haven t heard from them. I was really under the assumption because I did it through them that I would be safe.

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 2019-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.

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 2021-06-28
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, Fay Servicing is my current loan servicing company. I am trying to refinance my mortgage with another company and Fay Servicing is refusing to turn over the collateral documents for months such that now I either pay a penalty to extend my interest rate or forgo XXXX and pay about {$5000.00} in extra taxes. I have emailed them and they do not respond. I called and left a message with a loan officer and I have not gotten a response. Can you please help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested that the company provide me method of verification of items that are on my credit report. As of XX/XX/2019 there are 2 items listed on my report they refuse to provide this information. They Said on XX/XX/2019, I think they are confuse with what I am asking, so I will quote what FCRA, Section 609 a ( 2 ) requires credit reporting agencies to disclose the source of the information being reported or delete it. In reference to the 1 bankruptcies listed on my report they said they got public information fromfederal bankruptcy court. this a problem, because the bankruptcy court says that they do not provide information to Agencies directly. They said that they do not have any records of them contacting them and public records can be access on many applications and they can be inaccurate. The court made clear they do not report to credit reporting agencies. FCRA, Section611, paragraph ( 6 ) ( B ) iii regarding procedures and investigating states if requested by consumer, a description of the procedure used to determine the accuracy and completeness of information must be provided to the consumer by the reporting agency, this include business name and address of any furnisher. As of XX/XX/2019 the company has not done so. With XXXX XXXX XXXX I needed them to provide me with method of verification and they failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've contacted XXXX XXXX multiple times via phone and written letter. 
Currently on my credit reports showing inaccurate payment history. This is affecting my ability to obtain new lines of credit and life and need to be updated accordingly. I have kept this account current with no foreclosures or 3rd party collection agency being involved. The house was sold and the loan paid off.

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