BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: Atlanticus Services Corporation
State: GA
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:
The Company Fortiva Retail Credit is currently charging me amount that is not owed to them. I had a purchase with a company by the name of XXXX XXXX XXXX in XXXX. Ga. The purchase and financed. amount was {$2400.00}. I have paid this Company over {$2800.00} as of today and they still asking for another {$1000.00} more. I have disputed this balance with an attorney. This company refuse to provide the law firm copies of statements from XXXX of XXXX XXXX XXXX that are missing on their web site. The only way we can get the copies I have to pay for them, and I refuse to pay for something they required by law to provide. They also refuse to provide documents I signed that I will be financing a purchase of {$3500.00}. 

This company has also removed majority of my payment information as and can't review

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31
Company: Regional Management Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have a loan with XXXX XXXX XXXX. I have turned all of my debt over to a debt counseling/consolidation company. I advised XXXX XXXX their contact information and asked that they get in touch with them to work out payments but they refuse to reach out. XXXX XXXX has now started calling my employer at an office that I do not even work at, leaving voicemails on the company voice system and on other employees voicemails about me and my debt. The company has advised them to contact me personally and not to call there but they still continue to call my employer becoming a harassment issue for them as well as myself. I chose this method of debt consolidation to ensure all of my debts are paid instead of bankruptcy or just not paying and I can not understand why they choose to not contact my debt consolidation company. Any help/assistance you could offer would be greatly appreciated. 


Kindest Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$560.00} ). Please remove it from my credit report. 
The following account is not mine COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} ). Please remove it from my credit report. 
The following account is not mine COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00}, Original Creditor : COLLECTION ). Please remove it from my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$400.00} ). Please remove it 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 non-monetary relief
Consumer complaint received 2020-12-05
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I have sent in multiple letters to Equifax to remove the information from my report. They have yet to remove the false information even after sending in multiple items proving it does not belong to me. At this point, they have not been cooperative with the situation. I need this removed immediately for it is a false claim. 

The following is the false information they are reporting : XXXX XXXX {$360.00} I have mailed off the communication with them on XXXX, XXXX and XXXX of 2020. 

Please help me resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Maury Cobb, Attorney at Law, LLC
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, my name is XXXX XXXX and I have a collection of {$230.00} dollars that I received on my mail. I think theres a misunderstanding about this bill! I did received the first notice about my phone bills that I was already paid on the phone call with one of the XXXX customers! I cant remember when did I made the payment but I assume it was two month ago! I really want to know where did this payment go and why am I received another collection notice, please help me fix this problem cause I dont know where do go and how to fix it! Thank you so much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Per the settlement in place with Wells Fargo. Im reaching out as I had an account with them during the time frame from XXXX. 
I left this bank due to the fees charged and the way they handle their baking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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 belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the alleged loan agreement that appears on my credit report. I have no knowledge of this loan and have never signed any agreement for it. I believe this to be an error or possibly identity theft. 

I request that you investigate this matter and remove the loan agreement from my credit report. Please provide me with any documentation or information related to this loan agreement that you have in your possession. 

Thank you for your attention to this matter. 

Sincerely, 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 2018-07-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have worked for non-profits since XX/XX/XXXX and was told that all of my payments were eligible for Student Loan Forgiveness. When I applied for forgiveness in XX/XX/XXXX, I was told I have only made 8 eligible payments. I've asked XXXX XXXX XXXX to look into my account but have been waiting 8 MONTHS for them to update my account. Every time I call, they tell me it is being reviewed and in the expedited process but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CrossCountry Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having an issue with my Mortgage Servicer, CrossCountry Mortgage We received a notice of nonpayment for our property taxes dated on XX/XX/2020 from the XXXX XXXX Treasury department. 

Logging in to my servicer 's website and viewing the transaction information for my escrow account, it is apparent that CrossCountry Mortgage had taken money from my escrow account and paid the property taxes for the wrong account number associated with a similar, but different address ( they missed the " S '' at the end of my address ). I can clearly see on the XXXX XXXX tax servicer 's website that my payment was applied to their property, and mine has not been paid. 

I called in and was told a " ticket had been placed with the tax department '' on XXXX XXXX I followed up on XXXX XXXX and was told to email their support line " XXXX '' with supporting documents - I did so and received a receipt of email confirmation, but have not received any email back. 

I followed up by calling again on XX/XX/XXXX and was told to expect a response from the tax department back the next day ( no such call came ). 

I called again on XX/XX/XXXX and was told that my request was being escalated to a manager, and to expect a call by the end of the day ( no such call came ). 

I have yet ( 9 days after my initial complaint ) to receive any call or communication from anybody at Cross Country mortgage indicating they are working on the problem or have made any progress towards resolution, I have only ever been able to call in and ask about the situation and receive a " we'll contact you later '' response. 

At this point, I am very concerned that my second tax payment for the year will not happen, late-payment interest penalties are increasing, and a tax lien could be placed on my home for non-payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company Portfolio Recovery Associates continually calls my phone after I have stated I do not wish to receive any calls from them and to only communicate via written notices in the mail. They refused to give me a mailing address to send a cease and desist letter. They also stated they will still sue me for the alleged debt even though it is past the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent TransUnion a letter requesting my information be corrected with the correct information for my residential address and employment. I sent a copy of my driver 's license, social security card, and voter registration card along with the letter. This information is proof of my Identity. Transunion would not correct the incorrect information on my credit file. I am requesting that they update my information with the correct information.

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 2020-02-11
Company: EQUIFAX, INC.
State: VA
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:
Equifax ran my credit report on Sunday XXXX XXXX and there were 2 items on it that was incorrect. Two credit cards that have a XXXX balance they reported it with a balance. The first is XXXX/XXXX  they have it at a balance of {$280.00} On XXXX XXXX I paid the balance in full. Second XXXX  XXXX/XXXX XXXX they have a balance of {$89.00}, the balance was paid in full on XXXX XXXX. 
I called them today and the women I spoke with continued to repeat herself and said she could not verify me based on the the information I gave her and everything I gave her was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.

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 2023-04-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Some companies are reporting me as late and I don't know what's the most logical reason behind it so please look thoroughly at the documents as it contains what really happened.

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 2020-07-22
Company: EQUIFAX, INC.
State: GA
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 2023-08-14
Company: EQUIFAX, INC.
State: AR
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 sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: TX
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:
JPMCB CARD OBTAIN A COPY OF MY CREDIT REPORT SEVERAL TIMES WITHOUT MY PERMISSION, CALLED COMPANY AND SPOKE WITH REP SHE ADVISED ME THAT THIS WILL BE DELETED OFF MY CREDIT REPORT. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm filing a consumer financial bureau complaint against the credit bureau XXXX  & Equifax for their refusal to report the debt as paid in full accurately on my credit file and I would like to report this as a breach of contract. 

I have receits of payment with memo stating that if check is cashed debt is settled..note all check receits have been cashed from my bank to three different creditors XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting 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:
Unauthorized inquiry on my credit report I did not authorize

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 2022-11-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
They have given me enough mental torture as of XX/XX/2022 one of Executives on recorded line said after submitting affidavits I will get my money back now they are not honoring their own words Im tired of their tricks and I swear under oath they were fraud unauthorized XXXX transactions as of XX/XX/2022 please help 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