BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a response to National Credit Adjusters, as i am waiting for there response that i allegedly owe this debt. i would like to point out that they are in violation of : 15 USC 1692b ( 5 ) not use any language or SYMBOL on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
They are also in violation of : 15 USC 1692b ( 2 ) not state that such consumer owes any debt. 
You can see the violations from the exhibit I have submitted from National credit Adjusters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 are actively reporting incorrect information. Both credit reporting bureaus are reporting that I was late on my XXXX payment for XXXX XXXX account # XXXX. The payment was due XX/XX/2021, And according to XXXX XXXX, they received payment on XX/XX/2021. I written and notified both bureaus multiple times. Transunion fixed the discrepancy and the again posted incorrect information the following week without notice. XXXX is complete refusing to investigate and said that as long Credit acceptance verify incorrect information, they will report incorrect information as such. 

XXXX XXXX XXXX acknowledges incorrect information their reporting and continue to verify incorrect late payment. They confirm that they received legitimate dispute for late payment and continue to report i was late. 

According to FRCA federal law, a account can NOT be reported as late until it is 6 days past due. 

I was only 6 days past due according to XXXX XXXX XXXX. Billing statement.

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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.

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 2021-02-17
Company: Resource Management Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company called RMG ( Resource Management Group ) called me today stating that I have an unsettled debt from XXXX. 

They informed me that the address associated with the account in XXXX. The issue is the address is a known address of mine but I have not resided in that address since XXXX. 

They seem to know my personal email as well as the last 4 of my social. They offered to settle this debt in the full amount of {$590.00} and sent me an email indicating the creditor 's name as XXXX XXXX, which I'm not aware of at all. 

I have asked for specifics of the account such as when it was opened, and they were not able to provide this information. I have also asked for the direct contact of the creditor and I was informed that they are no longer in business and XXXX has taken over the account. However, they are not XXXX and they have not stated that they were representatives of XXXX in any shape or form. 

I was a victim of identify theft around XXXX and I have expressed that fact. They made threats that include the following : 1. Wage Garnishment 2. Lien placement 3. Legal Action 4. Negative feedback on my credit. 

Their contact information is XXXXXXXX XXXX XXXX  XXXX, XXXX, NC XXXX I have tried to visit their website but it redirects me to a landing page that has not been built. I have researched their phone number it appears they already have complaints with FTC as well. 

I am deeply concerned for my credit as it has taken me quite sometime to get it to be where it is and I'd like to file this complaint to avoid any further detriment as well as the calls from coming in.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-18
Company: Ad Astra Recovery Services Inc
State: KS
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:
XXXX XXXX XXXX XXXX XXXX # XXXX sued me around XXXX XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney XXXX XXXX. Around XXXX XXXX I received a phone call from Attorney XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named AdAstra is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to Ad Astra. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney XXXX nor has the wrongful credit reporting ceased. AdAstra is still reporting this debt, ruining my credit, when the case was settled and dismissed in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
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:
I am a victim of identify fraud. This is impacting my ability to get a home loan. 

I have contacted each Credit Bureau and provided documentation ; FBI IC3 report, FTC report and 2 different police reports ( 1 from city I live in and 1 from city this occurred ) and I can't get all of the 41 different inquiries ( at least 14 accounts with several attempts ) off my credit bureau 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27
Company: SYNCHRONY FINANCIAL
State: OK
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 closed my paypal credit account earlier this year and tried to reopen starting in XXXX but Paypal and I have called them numerous times. They said that their company is changing their funding bank and they keep saying that they expect it soon and keep giving me dates it should change. I feel because I come from a conservative state and they are notoriously a liberal run company as evidenced by their refusing to put a paypal facility in N. Carolina just because N.C. wants males to use male bathrooms that they are trying to punish people from conservative states that don't agree with their liberal policies. I had that account for many years and first obtained it from the XXXX XXXX XXXX company before Paypal took it over. I have paid this account back for many of years and even the representatives I have talked to don't understand what is holding it up. Paypal has sent me several letters telling me to contact them directly but each time the representatives turn me down due to this supposed change of bank. It's time someone at Paypal fixed this or get off their a -- and opened my account back up.

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 2018-10-27
Company: Credit Corp Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX XXXX XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1. ) XXXX, Equifax and XXXX refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 2. ) Their claims are without facts and they make statements such as the creditor certified the information. 3. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 4. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 

for student loans : The defendants allegedly charged illegal upfront fees that they led consumers to believe went towards consumers ' student loans, and falsely promised that their services would permanently lower or even eliminate consumers ' loan payments or balance

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 2018-01-18
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I sent letters to XXXX Equifax and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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: Account status incorrect

Complaint:
Kohls collection account was paid in full for less than the full balance on XX/XX/2020. 
Creditor agreed that once debt was settled the tradeline will be removed from my credit report. The account as of today is still showing on all three credit bureaus as a charge off and shows the account status as closed an paid for less than the amount owed. Which was not the verbal agreement that was made with the collector. Kohls has failed to respond to my letters sent to XXXX XXXX XXXX XXXX The bureaus and Kohls receive two letters a month requesting to update my file and have failed to respond to my request within the 30 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
State: CA
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 is an inquiry that is reporting on my Experian credit report from XXXX XXXX XXXX placed on XX/XX/XXXX2017. I do not recall applying for a XXXX XXXX XXXX and I did not authorize XXXX XXXX XXXX to obtain a copy of my credit report. I have asked Experian to place a block on the inquiry because it is fraudulent. They asked me for documents and I have sent them everything that they have requested. The inquiry is still remaining on my credit report and I do not know what to do. It is fraud.

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 2018-01-18
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collector is saying I owe XXXX form XX/XX/XXXX, its XX/XX/XXXX now. Its a balance of {$170.00} and they I have told them I have paid off this amount back in XX/XX/XXXX, they keep calling and saying need to pay, I need to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Adler Wallach & Associates, Inc.
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:
Sometime last XXXX, I sent this company a validation request letter dated XXXX XXXX, 2017 (  please see attached copy of the letter ). To date, this company has not sent a valid/proper validation documents. I have disputed this item with the credit bureaus but both refuse to comply with the stipulations of the law. This is my last option before taking legal actions and involving a legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I've sent TWO letters to this credit union, and they do nothing. I'm XXXX XXXX XXXX XXXX XXXX. They continue to say I've made a {$3.00} payment in XXXX of 2022, yet I can't afford my medications. Someone from the XXXX XXXX  is helping me with this. It's over 100 degrees daily, so how long do you think I'll be alive? I'm trying to get XXXX  XXXX XXXX, however, this account shows current with that {$3.00} payment. They need to STOP reporting this and remove it NOW, not weeks from now. Totally unreal and friends are now posting their abuse on XXXX. Social media can be of great help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a Chase Southwest credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from Chase stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX XXXX. They unauthorized contacted Wells Fargo, XXXX XXXX auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manager at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, upon checking my report i notice i received a drop in my scores due to this account being added to my report. I have tried to contact them to send me validation with my signature for this debt which they failed to send me this is hurting me from rebuilding my credit. I am requesting that they remove this account immediately from the credit bureaus.

Company response to consumer: Closed with explanation