BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: The Receivable Management Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Good day : I have been contacted now four times by a debt collection agency attempting to collect a debt that I do not owe. The first three times have been via US Mail, which I responded to twice via certified letter. Following the third letter from RMS, I  submitted a complaint to CFPB, case number XXXX as they had not provided any proof that I owe a debt. Their response to the CFPB complaint on XX/XX/XXXX was incorrect, indicating that they received my account on XX/XX/2018 ( their first letter was dated XX/XX/XXXX ), and that they closed my account and returned it to XXXX. 

I have now received 5 phone calls from XXXX starting on XX/XX/XXXX ( the date that they responded to the CFPB complaint ), who have left no messages. Yesterday, XX/XX/XXXX, the 5th phone call, I picked up and it was RMS asking about the same debt. In their response to the CFPB complaint they indicated that they have sent the debt back to XXXX which is clearly not the case. 

I have attached the same PDF to this CFPB complaint, which expressly states that this debt is not mine, asking for proof that this debt is mine. The company has failed to prove that this debt is valid and has now begun calling me asking me to pay this debt, which violates my rights under the FDCPA. I have asked them via a form letter from CFPB to provide proof that I owe a debt and they are not permitted to contact me until they have proven it. 

If there is some proof that I owe a debt, please provide that proof to me so that we can further discuss it. However, I have never done business with XXXX and therefore have no reason to believe that this is a valid debt.

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 2020-07-25
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Medical 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: CBC Companies, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Two hard credit inquiries in the space of eight days are present on my credit report. Minimally the first is not authorized and has no signature or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2019-09-26
Company: Accurate Background
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon potential employer requesting criminal record I discovered inaccurate information. A criminal record appeared. I have never been arrested let alone have possession of anything. I am requesting this be removed and for the corrected record to be sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Experian Information Solutions 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:
Experian Credit Bureau has failed to correct an error in their reporting of a credit card account after the credit card financial institution XXXX XXXX XXXX XXXX XXXX changed the account number of my credit card and reported to Experian to the change. Instead of changing the account number and deleting the old number Experian just dropped the Credit Card account completely. The other 2 credit agencies show the change, but Experian did not and has failed to correct the problem after several months. I believe as a result of their incompetence it caused my FICO score with Experian to drop 40 points less then 2 weeks and damaged my credit options. I have spoken to both Experian and XXXX XXXX XXXX XXXX several times. XXXX XXXX informed me they have requested Experian to correct their error, but Experian continues to fail to do so.

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 2018-05-17
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/XXXX I was told via written letter that after reviewing everything Navy federal still finds me liable for the balance. On XX/XX/XXXX I called to confirm their decision after I filed claim with CFPB and they said the letter sent out is correct and that is their decision. I want to know why is Navy being dishonest with CFPB by not notifying them that they are no longer working on the issue anymore since XX/XX/XXXX they made a final decision??? 

I have attached the letter they sent me with their final decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i never received any notice saying I hold {$14.00} after I paid the bill on full. there was no phone or letters. i need your help to removed this collection. thank. that is wrong charge

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2018-12-15
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off the loan, but they were very rude, and they charged me three extra days. I wanted to pay off my loan on Friday XX/XX/2018. And I offered to use my debit/credit bank card, and they refused. I even asked to speak with the supervisor, and he refused. He charged me Saturday, Sunday, and Monday because Banks do not process checks on those days. Other loan companies, gave me my pay off amount for that same day, and they would advise me " the amount would be taken out of your account in two to three days ''. But this Lending Club refused to do that. He said payments have to be confirmed with the bank, I told the supervisor. I am paying off the loan, it is not a payment. The other workers were laughing because I know they also refused to give me the amount for the same day. {$30.00} or {$40.00} dollars it's a difference. But I offered to pay with my debit card, with my name on it coming from the same checking account number they had/have in file. Very unprofessional people, they were unwilling to work and first they said Tuesday XX/XX/18 then they changed it to XX/XX/18.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: DC
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 submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from 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 2019-09-26
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i talked to XXXX OUR POINT OF CONTACT ON MONDAY AND SHE TOOK A PAYMENT FOR XXXX THAT WILL BE TAKEN OUT OF OUR CHECKING ON XX/XX/XXXX! SLS LIED ABOUT THAT THETRIED TO CONTACT US THEY NEVER DID I CANTACTED THEM THE WEEK AFTER XX/XX/XXXX WHEN THE MODIFICATION WAS DUE AND THATS WHEN I WAS TOLD THAT IS WAS DENIED DUE TO THE NOTARY! WE CAN GO BACK AND FORTH WITH THIS BUT IM NOT GETTING MYSELF UPSET WITH SLS! I HAVE EVERY RECORED MESSAGE AND I WAS DOING WHAT I WAS TOLD! MY HUSBAND AND I WANT THE MODIFICATION TO BE REDONE AND PUT XXXX [ PAYMENT THAT IS GOING IN ON XX/XX/XXXX TOWARDS XX/XX/XXXX AND WE OUR ASKING FOR THE MODIFICATION TO BE BACK DATED TO START AS OF XX/XX/XXXX THATS ONLY FAIR GUE TO EVERYTHING WE WERE PUT THROUGH OR I WILL LET A JUDGE OR A LAWYER LISTEN TO ALL THE MESSAGES FROM SLS!!! ALSO IM ASKING WITH WHOM DO WE ASK FOR OUR LOAN TO BE AUDIT? THERES BEEN MONEY TAKEN BACK AFTER THE HAMP PROGRAM OVER {$20.00} GRAND AND ADDED IT BACK INTO OUR BALANCE THATS 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 2019-09-26
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I spoke with a Mr. XXXX XXXX about my inability to pay being that i was unemployed at that time. He informed me that i could have the XXXX payment waived by going on a payment plan that would push my account out to XX/XX/XXXX. When The XXXX came around i had just began back working starting XX/XX/XXXX. Being that i was unemployed for a total of 6 months, I also had other bills ( Carnote, Insurance, childcare, ect. ) that i had to take care of or else i wouldve continued to be unemployed without the proper means to get to work. Starting XX/XX/XXXX and almost every day there after i would recieve at least 6 live phone calls a day from Their Place of business LENDMARK FINACIAL SERVICES Located in XXXX, MD XXXX. It didnt really bother me until Yester day XX/XX/XXXX, I received a phone call from an unknown number not saved in my phone. Turns out it was the Branch manger, Mrs. XXXX XXXX Contacting Me Using HER PERSONAL PHONE, Once I identified my self, mrs. XXXX preceeded to tell me that i was past due, which i was aware of and explained to her that i can not send what i dont have and that i was working on trying to fulfil my balance. She then threatened that she would foward my file to an attorney that would then move foward with garnishing 25 % of my wages and then hung up the phone. I called her back to ask what other options did I have because i was planning on making a payment today XX/XX/XXXX, in which i did in the amount of {$200.00}. She then preceeded to tell me that i was behind 2 payments as if to say she did not believe i was activley trying to fulfill my my balance or would be able to. I feel this was a form of harrasment because I recieved i high influx of calls from the company while at work with patients and then to have a Manager use her personal phone to contact me was just mind blowing. I understand there was a job to be done which was getting in contact with me, however it was done incorrectly and Unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed 3 Collection accounts on my credit report on TransUnion and they came back as " verified ''. In my dispute i requested that they provide proof of verification. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. This was not provided to me. It simply stated they were " verified ''. I do not believe they found actual proof of verification or that these accounts or balances are even mine. The XXXX collections are listed below. 

1. XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX  XXXX, MA XXXX 2. XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ( XXXX ) XXXX 3. XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX , TX 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 2019-05-03
Company: Peoples Financial Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a loan with XXXX XXXX XXXX on XX/XX/2016 they reported a late payment by error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recmgntsys Opened XX/XX/2016 {$220.00} Original creditor : XXXX XXXX XXXX Overview {$220.00} Highest Balance {$200.00} Opened XX/XX/2016 ( 3 yrs, 4 mos ) Account status Open Type Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX Creditor Information RECEIVABLES MANAGEMENT SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$21000.00} 3 ) XXXX XXXX XXXX XXXX {$7500.00} 4 ) XXXX XXXX XXXX {$6000.00} 5 ) XXXX XXXX XXXX XXXX {$3500.00} 6 ) XXXX   {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX XXXX XXXX {$470.00}

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 2022-11-13
Company: Chime Financial Inc
State: MN
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've never opened the account I've disputed ownership of the account with XXXX XXXX few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i'm behind on my payment and from XX/XX/2020 to the time i filled this out ( XX/XX/2020 XXXX ) I have received about 29 calls with 3 of them calls on sundays, i feel i'm being stalked and harassed. I feel CAPITALONE is not following law put into place to stop this type of mental terrorism to consumers. They should be fined or other steps should be taking to limt them them to 1 call every 90 days or fined XXXX per call

Company response to consumer: Closed with explanation