BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The company sent me an email from a dummy email address claiming I would be sued and jailed if I do not pay thousands of dollars. I received the email with identifying information about myself which led me to call the debt collector to see what the company was emailing me for. Upon speaking with a rep ; that demanded I verify my info ; I spoke about the email and the thousands of dollars and jail time the email spoke about. The rep said the email was not from them but using my info ; she was able to search and find 2 old accounts for me. Weeks later, I have an alert on my credit with the information of a supposed debt I owe and it was updated as being 1 year old and I have not had any loans for for over 10 years. The company used the email to get me to contact them because of the outrageous claims in the email ; demanded I verify my info ; blamed scammers or another company when I filed my initial complaint with CFPB then added the old outdated debt to my credit and re-aged it to being 1 year old. This is a FCRA violation. I did not call about a 10 year old account ; the agent mysteriously found in the system. I did not discuss the account. I discussed the email I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems , LLC has been told repeatedly not to contact me about an old XXXX XXXX XXXX debt that is not owed by me. It has been taken care of. They continue to harass me by phone and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Shellpoint Partners, LLC
State: AL
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 have been calling Shellpoint Mortgage and leaving a voice message for XXXX XXXX for more than 1 week requesting him to call me because ShellPoint Mortgage has been reporting my mortgage late after the date of which they foreclosed on my home at XXXX XXXX XXXX, XXXX XXXX GA XXXX. The date of foreclosure was XX/XX/XXXX and they are showing late payments after this forclosure date. This is affecting my ability to get another mortgage. I starting calling XX/XX/XXXX and have called everyday for 1 week. We also sent an email XX/XX/XXXX to Shellpoint and received a message has been read but no response from Shellpoint Mortgage. I am attaching documents that prove my points. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Community Health Investment Company, LLC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX Has a medical bill of mine from XXXX XXXX XXXX XXXX . I owe this debt and Im making payments. The problem I have is they have added my spouse XXXX XXXX  to this medical bill advising they are reserving their state rights to add spouses to medical bills. This is unfair as my husband has not had medical services with XXXX XXXX XXXX XXXX and is not legally responsible for this debt. I am the medical guarantor of this bill and its my personal medical insurance that has taken care of portions of this bill. Ive asked that he be removed and they advise they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was checking credit burial and seen that wells Fargo mortgage removed them shelf of all three credit reports because i am in a chapter XXXX, they told me that they can`t report because of bankruptcy I called the court and they said they should be reporting and I called my lawyer he said the something, but when I was behind they reported everything to credit burials so isn`t that dishonest and not legal. 


Thanks XXXX XXXX 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 2022-08-10
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I was told by the state in XX/XX/XXXX I owed a balance. The balance was paid and shown paid off as of XX/XX/XXXX as the money was taken from my taxes. 
Lien was placed on my credit report, however account has been documented as satisfied. I contacted IRS to have this removed they advise they do not handle removal of liens and to contact my credit bureau I contacted credit bureau and they advised not sure if it can be removed would be escalated to resolution team and i would receive a response in 30 days. It has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: IL
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:
Since my initial complaint ( Complaint ID XXXX ), the bank has since revoked provisional credit from another dispute and is now stating that I am responsible for a total of {$1100.00}. RE : Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX On XX/XX/2021, I attempted to make a payment of {$140.00} to Afterpay using my Citi credit card. I received a notice from both Afterpay and Citi that my payment was declined. As a result, I used another credit card to make the payment. On XX/XX/2021, I saw that duplicate debits ( four ) of {$280.00} ( double the amount of my payment ) were posted to my Citi account. However, my Citi credit card was not used to make the payment and my Afterpay account does not reflect any payment using my Citi card on XX/XX/2021. My Afterpay account has never exceeded {$560.00}. There seems to have been some type of glitch in Citi 's system and I am not responsible for {$1100.00}. I provided Citi copies of my Afterpay receipt, electronic payment log, and payment schedule proving that my Citi card was not used to make the payment on XX/XX/2021. The evidence was sent to XXXX on XX/XX/2021 and Citibank Customer Service XXXX  XXXX  XXXX, XXXX XXXX SD XXXX via certified mail on XX/XX/2021.

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 2019-02-09
Company: ID Analytics, Inc.
State: OH
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 found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-02-09
Company: Innovis
State: OH
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 found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I tryed to send money to someone and it said scam and the next morning it said account closed and I have to send my son money so I need that to be fixed cash app $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Experian reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Experian since XXXX. Experian had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to 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 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX company is reporting information on my credit report that is not my account this information is not true by law they cant do it

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 2020-01-30
Company: Advanced Portfolio Group LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company keeps calling and hanging up. When I called back I asked the guy for verification and he told me no. He was threatening me and I can't get the information for verification. I don't know what this debt is and he keeps saying '' I traced your IP ADDRESS. ". This is harassment. I finally told him to take me to court, because I'm unemployed. We can get this figured out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

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 2017-12-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I overnighted my flood insurance check to XXXX XXXX " XXXX '' along with a binder of receipts from contractors for labor and materials from hardware stores. Two weeks later, I called the XXXX XXXX to be told by the person assigned to my account, XXXX, that I needed canceled check proof of payment to the contractors in addition to their signed " paid '' invoices. Had I not called, when were they going to tell me this? 
I asked about the cash payments we had made to which she replied that the signed invoices had to say " Paid by cash '' and dated. Notwithstanding the failed logic of why a signed invoice is acceptable in one circumstance but not another, I emailed them the cancel check images to " XXXX '' on XXXX XXXX. Today, XXXX, I got an email telling me that they were sending out a check for {$19000.00} ( only for the materials ) out of over {$100000.00} of receipts and that my return XXXX label was unusable. I had spoken to XXXX ' XXXX XXXX last week about the XXXX  label which she claims was not usable because it had Cardinal on the 'From ' address. I generated the label from my corporate account and XXXX confirmed that I had generated it correctly yet XXXX told XXXX this morning not to use it in spite of my proof to the contrary ( sent web captures by email ). I mention this incident as an example of their capricious manner of their handling my reimbursement. The cancelled check proof I sent last week? XXXX just uploaded it to my account this morning and told me that it will take 72 " hours '' to have it reviewed. Their language is measured as if they say " hours '' it will seem less than the 9 DAYS she said it will take. Why will it take 9 days to match a paid invoice with a cancelled check? 
I have maxed out my credit cards and available cash to clean out my house, dry it out and start rebuilding. I need to be reimbursed what I have spent so I can continue with the rebuilding but Cardinal refuses to disburse the funds, even the 1/3rd that they initially told me was customary is not going to be disbursed. I need help to have them be more responsive. Having a natural disaster is one thing but being prevented from rebuilding because of a mortgage company lack of service is shameful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX, I emailed GM Financials support email several weeks before my payment due date of XX/XX/XXXX to request that my Auto Pay authorization be revoked. 4 days before the due date, I logged on to check my account amd my auto pay stilled showed as active, so I called in to check on it and revoke authorization. I was told that they would put in a rush request, but they could not guarantee it would get processed in time because now we were too close to the due date, but that at the latest, it would be processed for the following month ( XX/XX/XXXX ). Unfortunately, my XX/XX/XXXX payment processed and caused a lot of havoc with my bank account and other payments that were due. I called in again and was assured that my revocation would be in place for XX/XX/XXXX. This morning I woke To a notification from my bank that GM financial had processed my XX/XX/XXXX payment. Again, this wreaked havoc on my bank account and other payments that were due. I have called in again and have again been assured that it would be canceled for XX/XX/XXXX, and while I requested restitution for bank fees and other financial impact caused by these auto drafts, none were offered. GM financial should be penalized for twice auto drafting from my account without authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26
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: Problem with personal statement of dispute

Complaint:
This is a followup to complaint number XXXX regarding XXXX XXXX and Equifax. As reported previously XXXX discovered my identify on the dark web ( I am one of the millions of Americans affected by the Equifax breach ) and on XX/XX/2018 reported to me that credit checks from XXXX XXXX and XXXX XXXX were issued to Equifax for credit card approval utilizing an my old residence address and in the case of XXXX XXXX  an incorrect SSN. XXXX contacted me and we contacted both XXXX XXXX and XXXX XXXX to discover that Equifax approved both credit checks! Both XXXX XXXX and XXXX XXXX stated they would cancel sending out the credit cards and remove the credit check on my credit bureau reports. Since then XXXX XXXX has followed through and removed the credit check as reported by XXXX XXXX and XXXX. 

However, both XXXX XXXX and Equifax have refused to remove the credit check as a result of the XXXX XXXX fraudulent application. Attached is a letter from XXXX XXXX even refusing to acknowledge any fraud and demanding more information, which I have already provided by both phone and in writing. In my last conversation with XXXX XXXX they stated that it was Equifax 's issue as they had already submitted their report however, neither XXXX XXXX or XXXX  have received the XXXX XXXX correction request as documented by their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been on the interest rate reduction plan for several month to help lower my monthly payments by a few hundred dollars ( I owe {$150000.00} - which comes out to {$1300.00} a month without the plan ). When the current plan ended ( {$900.00} a month ) I called to see what my options are - and to hopefully reinstate the interest rate reduction plan. I was told nothing can be done to lower my payment to the rate it was at at that my payment would be increased {$100.00}. ( This comes out to more than 50 % of my income keep in mind ) .This is all fine and dandy but the supervisor I spoke with was extremely rude to me and made me feel bad for asking for assistance. He told me I was the one who signed for the loans and we are not obligated to help you afford your payments. He said its not my problem to help you figure out how to make the payments and your lucky you have been helped out as much as you have been. This guy was a XXXX XXXX XXXX and the 45 min call was no help to me. I told him I would call back and speak with someone else. 

He is right it is not his problem to help me figure out how to afford my payment but when they are taking 50 % of your income they should be willing to work with you. Its just not realistic for them to ask for such a huge portion of your income. I work full time making decent money and also have a second job to make ends meat ... just so I can pay these RUDE people. I am a victim of predatory lending - I signed for these loans when I was just XXXX  and didn't understand the consequences of borrowing money to got to school. 

There needs to be some relief for borrowers so we can have some quality of life before we work our self 's to death trying to pay off our student loans!

Company response to consumer: Closed with explanation