BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
2 loan companies ( Cash Central, XXXX XXXX, addresses below ) and two credit reporting company ( XXXX XXXX  ) are involved. 

This was a request to Cash Central and XXXX XXXX to remove from XXXX XXXX and XXXX a loan reported for {$310.00} in XX/XX/XXXX, and taken to collections in XX/XX/XXXX. A request for removal of the loan from my credit report was made to XXXX, which was denied despite evidence the loan was fraudulent. The loan was fraudulent, was a result of Cash Central obtaining a frozen credit report, and has been reported to the FTC. A police report was filed. 

A request for my frozen credit report was requested from XXXX by Cash Central in XX/XX/XXXX ( CASH CENTRAL, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX ). Cash Central is a over-the-phone loan service providing loans to low-credit distressed customers at high rates. XXXX  provided Cash Central with a copy of my XXXX credit report, which includes social security numbers and personal information, despite my having a credit freeze on XXXX reports. 

The same month, XX/XX/XXXX, an account was opened in my name and social security number by Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The same month, a loan was taken and a new loan account was reported in my name and social security number by Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The Cash loan was never paid, and was taken to collections by XXXX XXXX for an outstanding balance of {$310.00} ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX ) in my name and social security number as known to Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit D ). 

Fraud alerts were filed, one with XXXX ( see Exhibit E ), one with XXXX ( see Exhibit F ), and one with XXXX ( see Exhibit G ). 

XXXX failed to show that identification had been provided in making the loan, and refused to correct the record. There has been no response from Cash Central or XXXX XXXX. 

A police report was filed. 

In summary, the Cash Central loan and the XXXX XXXX accounts were the result of credit fraud of an unknown party, and not by any knowledge or action by me or my family. This information is provided so as to obtain a police report, that can be used in the clearing of this fraud from my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: The Bureaus, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is my 3rd request to the CFPB ( Consumer Financial Protection Bureau ) and 2nd request to obtain information for the below mentioned dates. 

I hereby request a copy of every and all mailed Periodic Statements to me during the following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Beginning in XX/XX/XXXX, I was informed that the FDIC Office, designated to address all matters pertaining to the failed XXXX XXXX/XXXX XXXX, was scheduled to closed. This, I was told over the phone on the same day as it was announced to me that, the last 5 loans where sold. The new Loan owner, was bound by law, to establish contact within 30 days. When asking for Name and contact information, I was told that she, my FDIC Contact representative didn't have that information, she only new that the office was to be closed by the end of XX/XX/XXXX and It was the Law that the New Loan Owner would contact me with in 30 days. 

When I didn't receive a my periodical scheduled Statement, I became nervous and the 1-800 number to learn who to make my payment to? But I was told that the 30 Day 's did not begin until XX/XX/XXXX and I should be patient! 

I became exceedingly nervous and shared my concern with my employer, The City attorney of the Town I live in. A matter fact, I decided to seek councilI with anybody I though could help me understand what was happening. Everybody believing that the due process is to wait! 

XX/XX/XXXX came and still no contact with the new loan owner. This continued till XX/XX/XXXX, when RoundPoint send there 1st statement! 

Today, I believe to know the name of the highest bidder, XX/XX/XXXX, was XXXX XXXX XXXX ( XXXX ). I believe that XXXX XXXX XXXX failed to forward periodical scheduled Statement and therefor walked away from my contract! 


Press Release XXXX XXXX XXXX XXXX FDIC Announces Winning Bidder .... 
The FDIC has signed a bid confirmation letter with XXXX XXXX XXXX ( XXXX ), ... 
XXXX XXXX XXXX Thank you for your diligent in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CONTRACT CALLERS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was alerted by XXXX XXXX that Contract Callers Incorporated reinserted a previously deleted debt. Contract Callers Incorporated reported the collection date as XX/XX/XXXX. I believe this is an attempt to falsely reset the statute of limitations for debt collection. I was never notified about the reinsertion. I called and requested the false information be removed. Contract Callers Incorporated has refused to remove this falsified 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 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to contact credit bureaus ( XXXX, Experian ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have a " Collection '' on my account with no company name specifying where the debt came from. It is just described as " collection ''. It has multiple wrong dates and it even says that the " customer disputes account information '' but there is a lot of information missing. I can not verify the 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 2021-10-22
Company: EQUIFAX, 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 called and notified Equifax by phone that I had inquiries on my credit report because I believed to be fraudulent and they've sent me back their dispute findings were verified but I did not get any verification of how it was verified or something very very my signature authorizing someone to in view my credit these are fraudulent inquiries on my credit report and I don't understand how they could be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: MI
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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 2018-09-07
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The problem I am currently having is the repayment portion. I've been paying on my student loans faithfully and the balance I owe is higher than the amount that I initially borrowed. It seems like I'm only paying interest and my balance is getting higher and higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions 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:
I have made many previous complaints against Experian and XXXX because they do not seem to take me seriously. I sent them a letter from the bankruptcy court that says that the court doesnt share any bankruptcy information with the credit bureaus, and that is how they have the bankruptcy listed as. I want the bankruptcy on my credit report deleted because of the bankruptcy being incorrectly reported, the FCRA says that all information on my credit report must be 100 % accurate and right at this moment it isnt and it is hurting my score. Delete the bankruptcy and all of the accounts included in 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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am wrriting to you to complain about the companies listed in my attached letter that have been wrongly accusing me of late payments. I already sent them letters and other needed documents before but they have not acted upon my complaints and so i am writing to you guys to help me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
State: NC
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:
Contacted XXXX equifax and XXXX about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX 2017 To Whom It May Concern : This letter is to inform you that the validity of this debt is disputed.
Your firm has continuously contacted me over an alleged debt in the amount of {$1700.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX  Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARIZONA,  XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter.
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Shell Citi bank has reported nonpayment for 3 months, however, I have n't received a bill for either month.They are stating they have enrolled me in paperless billing without permission or acknowledging 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 2017-11-03
Company: EQUIFAX, INC.
State: MS
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:
XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos.
Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry fromXX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.
XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I mailed a QWR and a debt validation letter to Shellpoint and they will not respond. 

XX/XX/XXXX They acknowledged receiving a loan modification package from me. 
On or about XX/XX/XXXX I received a phone call from an agent of Shellpoint. he also acknowledge receiving the package and told me I was approved for 2 different modification 1 WITH A BALLOON PAYMENT and 1 without a balloon payment but it was {$9700.00} plus. i ask him to send both and he said he could only send one with the balloon requested He told me they he was send me a loan modification out but instead i received foreclosure letter from there lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Ability Recovery Services, LLC
State: NY
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 written the company about the false information to a debt that I did not validate. It has been several months since this letter was sent to the company. I have not received a response. I would like this 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 2017-11-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
OnXX/XX/XXXX,  Home Depot in XXXX NY charged me XXXX as part of order XXXX for tile and materials for a special order. address is XXXX XXXX XXXX XXXX NY XXXX and phone number is XXXX XXXX
email address for manager is XXXX XXXX 

Due to the ineptness and disorganization of the project (we started planning the project inXX/XX/XXXX and as of last week they were unable to get a proper measurement and define the materials for the project after 5 weeks), we decided to not move forward with order XXXX. We have received no materials or services from Home Depot for this work order. I have been corresponding with XXXX XXXX for the last week and we have spoken to numerous folks in the store and they were very rude to my wife and told her they would not help her and XXXX and his team at the XXXX store is unwilling to reimburse the charge from our Home Depot account.

We spoke to XXXX from Citi Financing tonight and have disputed the charge and we will also speak to the Better Business Bureau and an attorney in the XXXX.

Please reimburse the XXXX this is very simple and should be very simple for XXXX or someone at the store to reimburse the charges but they are unwilling to do this and again have been very rude to us.

I will guarantee you that we will never shop at Home Depot again and once we get reimbursed we will close our account.

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 2022-03-10
Company: AES/PHEAA
State: MI
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 consolidated my loans in 2015 with Fed Loan Servicing from Direct Loans to start the Public Service Loan Forgiveness Process. With the new temporary waiver I asked for consideration..they said they reviewed my account and they did not.

None of the payments I made to Direct Loans are being counted toward my payments as they should be now.

Also now according to the waiver payments made durinf teacher forgiveness should count. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Sequium Asset Solutions, LLC
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:
( all times Eastern Standard Time XXXX XXXX ) XX/XX/2022, XXXX XXXX I received a notice from XXXX about activity on my credit report. I looked up my credit report on XXXX and found a collection account that is not mine on the report : - Credtor : SEQUIUM ASSET SOLUTION - Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Phone : ( XXXX ) XXXX - Original creditor : XXXX XXXX - Account number XXXX - Balance : {$1100.00} XX/XX/2022, XXXX XXXX I called the creditor at the phone number listed on the credit report. A voice response system answered, offering either a dial-by-name directory or an operator. I chose the option for an operator. I left a voice mail message with my name, location, phone number, and the nature of my call. 

XX/XX/2022, XXXX XXXX I called the creditor at the same phone number. A voice response system answered, offering either a dial-by-name directory or an operator. I chose the option for an operator. The " My Tell Voice Mail System '' said the mailbox was full and did not allow me to leave a message. 

XX/XX/2022, XXXX XXXX I sent a message to the creditor via a form on their website at this URL with my name, phone number, email address, and the nature of my request : http : //www.sequium.com/ContactUs/ContactUs.

I received a confirmation via email that the message I sent to this creditor via the web form was received. I have received no communication from any human about my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Well Fargo agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.

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