BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a voicemail at work and on my cellphone from a person name, XXXX. I did some research and found she is from a place called Forward Movement Recovery. Message left stated she was trying to locate me for tracing efforts. The message is also stating if they are unable to make contact with me they will take other means to contact all my references to locate me. The messages is threathening and does not say what it is regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An amount of XXXX was taken from my account which were unauthorized transactions I reported on XX/XX/XXXX They were credited back to my chase bank account On XX/XX/XXXX they were taken back out stating they were correct The companies XXXX  and XXXX stated they had evidence stating were authorized transactions XX/XX/XXXX XXXX ,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXXXXXX All totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to all 3 CRA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.

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 2017-09-19
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
I am submitting this complaint about equifax credit reporting agency. Today after reviewing on XXXX XXXX it shows equifax removed 2 accounts that are in excellent standing from my credit report. The first one is XXXX XXXX the 2nd one is XXXX XXXX XXXX XXXX. These accounts should have never been removed from my credit report. I have contacted XXXX XXXX and XXXX 's card and requested they report to the 3 credit reporting agency 's I was told that they do report each month. Equifax should have never deleted these two accounts off my credit report. These accounts are a positive factor on my credit score. Now due to them removing these accounts my credit score went down. I am submitting this complaint about equifax because they should have never done this without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am disputing a frivolous collection account that is appearing with the credit bureaus from the company Credit Collection Services. I have sent a few letters ( 5 ) to be exact to the frivolous company and the credit bureaus. The bureaus have failed me and violated FCRA. My most recent letter dated XX/XX/15 ask the said company to validate this irroneous said debt. Credit Collection Services sends a bill. A freaking bill anyone can type up a bill, this bill absolutely does NOT suffice. I specifically asked for a contract with my signature. This agency didnt provide the request validation per the FCRA within the 30 days. Violation to FCRA. Violations as me being a XXXX woman in America trying to survive. I am so shocked that these companies can place frivolous accounts and the bureaus allow this. I am demanding this account be removed in its entirety and completely from all the bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Lockhart, Morris & Montgomery Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Paypal Holdings, Inc
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 just want to reopened and re stored my account cause i feel it unfair to my side that they automatic close or limited my account pernamently with out letting me know as the owner as they only think there is a suspicious doin ln my account. my last transaction is i did pay to my friend that i owe some money .. they dont give any email to give requirement to fixed the problem so its unfair to my side

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Conn's, 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:
I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan information has disappeared on the website of my loan servicer XXXX XXXX. Their phones are never answered and each time I call there is a recording stating they are experiencing high call volume and to leave a message. Calls are never returned. It is impossible to get information about the status of my loans or any information whatsoever. I note that there are hundreds of complaints from other borrowers about this company. We are desperate and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a capital one credit card. recently they brought Walmart ( and I also had a Walmart card. I cant afford 2 payment s to them so Im trying to close the Walmart card. They keep saying the Walmart card is closed but the money hasn't been taken out of the bank yet. My husband ( XXXX XXXX XXXX ) paid the Walmart/Capital One card off for me XX/XX/XXXX. He only had that money there to " pay off " my card. He has been continuously trying to close his account but the bank wont let him because he still has funds in the account thats intended for Walmart/Capital One. They also sent a letter to the credit reporting agency on XX/XX/XXXX saying I was late which affected my credit negatively. I need a letter to show this information was false from them. They say it was an accident but they refuse to email me a letter saying this account was paid off on XX/XX/XXXX ; so therefore I couldn't be late on a closed account that was paid off. They absolutely REFUSE to take the funds for the pay off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card account at Citibank a few months ago. In the past two months I have never received a statement, by mail or email, or a notification that my statement is ready and to logon to see my account. I was just charged interest on my balance, which I only discovered due to downloading transactions in XXXX. 

I feel that charging interest and late fees without any notice is unfair and deceptive practice. 

I have checked my inbox, spam file and trash file in my email to verify that no notice was received. 

I spoke with Customer Service who refused to rectify the problem.

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 2018-04-25
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for a {$300.00} loan on XX/XX/XXXX. I was sent a payment schedule to pay off the amount. However, my payment due was over {$1000.00}. I had no idea that my balance would be that much. I only recall making one payment because I was in between jobs. On Thursday XX/XX/XXXX I spoke to XXXX XXXX  who told me that my remaining balance is now in her hands, She told me that I would have to pay a balance of {$700.00}, I told her that I don't have the money to pay and I wouldn't have it for another week but I just lost my job. I am not able to pay the entire {$700.00}. I can only afford to pay the amount of {$300.00} which is the amount that I borrowed and they are not trying to work with me at understanding my financial hardship. This company has several complaints against them through the XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX XXXX XXXX XXXX XXXX   and Diversified Consultants, Inc. XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of XXXX XXXX Contract and Billing ; not providing me with a written wet contract when asked ; unauthorized use and fraud of my digital signature ; providing only a Ipad contract which I don't own a XXXX, and Double Billing Fraud. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the four time I've asked CFBP for information of reported debt filled by XXXX, and they wouldn't respond ether to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from their other collection agents, that looks like junk mail in my junk mail this one is for addressing is from Diversified Consultants , Inc. XXXX saying XXXX has filled a Debt Claim. If XXXX doesn't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service contract process. XXXX is using double billing and triple collection agency business practices buy using three separate collection agency which is against Federal and State laws. 

I'm asking XXXX and Diversified Consultants, Inc. XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX XXXX ) example. The Agents names, titles, contact information of XXXX Executive & Regulatory Services department or the department responsible for overseeing debt collection and all legal contract matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: Aargon Agency, Inc.
State: NV
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware that the credit bureaus have been given an additional 15 days which has also past. I have not received any investigation results.

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 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/18 I purchased a car from XXXX XXXX dealership that was pre-approved and financed through Capital One. Since making the purchase I have made my payments to Capital One on time each month. On XX/XX/18 I learned that my car loan was paid in full. I then reached out to Capital One customer service to inquire who paid off my car loan. It was during this telephone call that I learned that the car dealership paid of my loan and the reason the car dealership provided Capital One was that they were " buying back '' my car. The Capital One rep then asked if I still had possession of the car, I advised that I do and that I had no intentions on selling it back to the dealership. Nor had the dealership ever approached me with an offer to " buy back '' my car. The Capital One rep also advised that if had any questions to contact XXXX XXXX at XXXX. I then asked the Capitol One customer service representative how anyone could call in and pay off someone's loan with Capital One contacting them to confirm? The rep replied that the dealership wrote the deal so they can do whatever they like going forward. Baffled by Capitol One rep 's response, I them asked where is my car title. The rep ( XXXX ) replied that the title was mailed to the person who paid off the loan. I immediately advised the Capital One rep that I did not purchase my car from XXXX XXXX. Nonetheless, I contacted the number provided on XX/XX/XXXX thru XX/XX/XXXX and left several messages for a XXXX XXXX but, I have not received a return call. On XX/XX/XXXX and XX/XX/XXXX I received voice messages from a woman named XXXX who claims to be from XXXX XXXX advising that they bought back my car loan and that I am to make payments using a self-addressed envelope they sent me in the mail to remit payment. The woman also left two telephone numbers one for the XXXX XXXX XXXX ( which is not valid ) and her cell number. I called the number I have on the XXXX XXXX GM business card that I have used to contact the sales rep post-purchase, however, the line just rings. No voice mail or any indication that I have reached the car dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX systemically refuse to investigate inaccurate information being placed on my credit file in error. When I attempt to dispute inaccurate information on my credit file I get the following statement " You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you canupload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us atXXXX contact the data furnisher of this information regarding your dispute. '' This is XXXX way of discouraging millions of Americans such as myself from disputing inaccurate information in their credit file. Furthermore XXXX representatives have refuse to produce and provide me with any evidence they contacted company and received any documents such as signed contracts etc that account in dispute actually belong to me. Only thing representative states is company was able to verify my name and social security number and or address. This is not valid or proper investigation. XXXX lack of investigation continues to effect me personally and damage my credit report month after month. I demand XXXX to reopen and conduct proper investigation producing evidence that account actually belong to me and that all information being reported is factual including balances and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I asked for Equifax to show validation and even go more in depth of the chapter XXXX bankruptcy on my credit. They refusal to investigate more in details. I reached out to the courts that Equifax provide me with and I spoke with the court of clerk and I was advise they do not verify anything with the credit bureaus or provide any information to them. How is this account verified?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: SECURITY CREDIT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt is not valid and the collections agency is refusing to stop collections on this invalid debt. The collections agency was contacted in XX/XX/XXXX after finding a negative item on my credit report. In my contact with them I was informed that I would need to contact the original creditor as my dispute was that the debt was not valid. The original creditor was contacted in XX/XX/XXXX and as a result the negative item was removed from my credit reports. 

The creditor, in XX/XX/XXXX, a full five months after the issue was resolved, has renewed collections attempts for this invalid debt and is now threatening negative/adverse action that will affect my credit report. 

Upon contact in XX/XX/XXXX, the credit collection agency was unwilling to resolve this issue despite being informed that this debt is invalid. The agency also refuses to make any effort to verify that this debt is not valid. The agency says that their attempt to contact the original creditor in XX/XX/XXXX by email constitutes the legal requirement of due dilligence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and Transunion only says that the XXXX XXXX XXXX says the account is correct, without asking or verifying if the account is correct, XXXX XXXX XXXX must provide correct account verification to Transunion and the other credit bureaus, and only report false information and the Transunion only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and XXXX XXXX XXXX XXXX is damaging my credit with false information, Transunion is part of the game of XXXX XXXX XXXX they just believe what collection agency says, Transunion asked me verified the account like not mine, but there is no way i can proof sometime is 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