BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was told I would receive money from the government in the amount of XXXX and that all I needed to do is go buy a prepaid steam card call them back and give them the money to insistently fix my credit so that I my received this money. I have asked them repeatedly to QUITE CALLING MY NUMBER and they refuse to quite harassing my family and me. This company has contact me 3 ( THREE TIMES ) times todays and each time they have called I have asked them to NOT CONTACT MY NUMBER AGAIN but they ignore my request and call anyway for a number that one day says XXXX XXXX and another day it says Wireless Caller same people, who sound like they are from XXXX. The people speaking have a XXXX accent 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, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX EMAIL : XXXX XXXX Tue XX/XX/2018, XXXX XXXX  XXXX ; Join to Our Program XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( address ) XXXX XXXX XXXX XXXX  XXXX XXXX, IL 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 2018-03-19
Company: CITIBANK, N.A.
State: AZ
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 have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!

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 2020-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax placed a Fraud Security Alert on my credit report due to their OWN data breach. 

This is causing me to be DENIED credit because Equifax is storing INCORRECT identifying data about ME! I am also receiving mulitple hard inquiries on my credit report, lowering my score ILLEGALLY! 

I tried to remove the Security Alert by a phone call to Equifax today. I could not remove it because EQUIFAX is storing incorrect personal data about me! 

SO frustrating! I need a new refrigerator!! My credit score is above XXXX and I can not get credit because Equifax will not verify my ID when XXXX or another appliance creditor calls! They will not verify ME when I call! 

Equifax will NOT remove the security alert on its website, only by phone or snail mail. I am NOT sending personal documents by mail and waiting months for this to be remedied This should have NEVER happened in the first place!. I NEED to purchase a REFRIGERATOR! Exacty how am I supposed to do this when Equifax refuses to correct thier OWN error?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had lost my debit card somewhere between Tuesday, XX/XX/XXXX19 XXXX and Wednesday, XX/XX/XXXX19 XXXX. I had used the debit card on XX/XX/XXXX19 at XXXX, {$480.00} at a casino atm using my PIN. I did write my PIN down on a sticky note. Along with 2 other credit cards, I lost the debit and PIN. 3 unauthorized charges were made and I reported everything within 24 hours, told them I had written the PIN down. Chase submitted a claim and told me a temporary credit will be given in 12 hours. I was assured that would be done. 12 hours later, nothing. I called and was asked to wait another 12 hours after the charges have been posted. It is now Wednesday, XX/XX/XXXX and nothing. I was told the charges just posted so itll be done by the end of the business date. XXXX nothing. Was told yet again to wait. Thursday, XX/XX/XXXX19 morning I called again and was told the temporary credit was never approved and the bank has XX/XX/2019 to provide temporary credit. Wouldnt give me emergency credit for 200 citing that my account is new and they need to investigate. Went into the branch today and was given 100 as emergency. However they advised me that I would probably get denied because I lost my PIN. Also I have alerts set up in my account to notify me of transactions involving my debit card if it exceeds {$1000.00}, I was never notified. I do, however get notified everytime my balance drops below {$50.00}. Chase security never caught the 2 {$1000.00} purchase/withdrawal as possible fraud especially if my account was new. 

I reported the lost of both PIN and debit card within 48 hours. I was honest about losing my PIN. I was assured a temporary credit will be issued within a certain timeframe and never happened. Now I fear I may lose my claim because I lost the PIN with the debit card. I thought I had federal protection against liability even if my PIN was lost? Im fearful of what Im going to do if I lose the {$2300.00}. The bank is giving me the runaround and making me wait. The bank neglected to contact me for these transactions. I need help to fight with the bank. This is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting a request referring to " national enterprise '' debit collection listed on my account. This debit does not belong to me. I am unaware of where this debit came from and am requesting it 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 2021-06-04
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today ( XX/XX/XXXX) we were scammed/frauded by someone acting as a landlord for a house to be rented. I sent him XXXX on Zelle and my father sent XXXX for the security deposit. We contacted XXXX/Zelle immediately after finding out about getting scammed. XXXX/Zelle said they can not do anything about it and to contact local authorities. They are not protecting their customers or least looking out for them in these situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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 belongs to someone else

Complaint:
There are inquires on my report that 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 non-monetary relief
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
There are inquires on my report that 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 2018-03-19
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This will be the 4th complaint i want to CFPB to take action i have a police report as the past 3 reports i have submited i have a police report actually i have 3 of them Ideal collections wants a fraud affidavid form as the police stated this form does not exist they keep asking for my ID this means whoever used my identity in fraud did not have it or pic is not me, they state signature is mine i state it is not as someone as well in 2012 also files a false tax return in my name using this addy same place they say i owe the debit, this will be the final chance to delete this as they again are asking for things that do not exist there is no fraud affidaivd per the police and their report i have IRS notice of identy theft if they fail to delete this from my report i will take legal action as Ideal damaged my credit and yes this is extorition as once again police report attached if they feel this reort is fake please contact XXXX PD as i am a well know public figure and prove residance in same place past 19 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'VE BEEN SENDING ROUND AFTER ROUND TO THE CREDIT BUREAUS REGARDING INQUIRES REPORTING ON MY CREDIT REPORT THAT 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 2020-12-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
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:
In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka Genesis Credit ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to Columbia Debt Recovery, LLC.

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

Genesis Credit has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. Genesis removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that Genesis Credit is under investigation for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: WA
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 was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( XXXX and Experian ), XXXX XXXX ( XXXX, Experian and XXXX   ),  XXXX ( Experian and XXXX  ), XXXX XXXX  ( XXXX, Experian and XXXX  ),  XXXX ( Experian and XXXX  ), XXXX XXXX ( Experian, XXXX  and XXXX ), XXXX ( XXXX, Experian and XXXX  ), XXXX XXXX XXXX ( Experian, XXXX  and XXXX ),  XXXX ( Experian and XXXX  ), Bankruptcy : Voluntary CH-XXXX ( XXXX, Experian and 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 non-monetary relief
Consumer complaint received 2019-05-01
Company: Credit Counsel, 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: Problem with personal statement of dispute

Complaint:
This people are rude below is the paperwork of my loan they didnt give me credit for my gap insurance Everything circle on my paperwork are the amount of both loans the Original and the refinance amounts

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 2020-05-03
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to Ocwen on two occasions pointing out they are reporting a 30 late in the Payment Status when the account shows closed with a XXXX balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. The same inaccurate information is reporting on two other accounts. See attached excerpts from the credit report and the most recent letter dispute.

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 2020-05-03
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
LVNV FUNDING LLC XXXX, SC XXXX Mr. XXXX XXXX, President Mr. XXXX XXXX XXXX XXXX, Vice President Mr. XXXX XXXX, Treasurer Fax Numbers ( XXXX ) XXXX Primary Phone Numbers ( XXXX ) XXXX THIS COMPANY IS REPORTING INFORMATION ON MY CREDIT REPORT AND I HAVE DISPUTED IT SEVERAL TIMES. THEY ARE NOT VALIDATING THE DEBT AND I DON'T RECALL RECEIVING ANYTHING FROM THIS COMPANY REGARDING THIS ALLEGED DEBT. A STATEMENT DOESN'T PROVE OR PROVIDE A CLEAR CHAIN OF OWNERSHIP OF THE DEBT. SINCE LEGAL AND PROPER DOCUMENTATION HASN'T BEEN PROVIDED I AM REQUESTING THEM TO CEASE COLLECTION ACTIVITY AND REMOVE THIS ACCOUNT FROM THE CREDIT BUREAUS .A : LVNV FUNDING LLC never then sent a collection letter to Plaintiff that included the required 1692g validation rights disclosure. 
B : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. 
C : The FDCPA ( Fair Debt Collection Practices Act ) specifically prohibits a debt collector from using false, deceptive or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
XXXX is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But XXXX IS NOT doing anything. 

The inquiries are Barclays Bank Delaware : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/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 2022-08-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Tormey Bewley Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I Checked My Credit Report Today XX/XX/2019 and I found a Open Collection Account from XXXX XXXX XXXX XXXX and it says open and I owe {$0.00} due to Bankruptcy Ch XXXX. However its still hurting my credit due to the account staying open and reporting every month. This Account is Not Open! This needs to be fixed ASAP!!!

Company response to consumer: Untimely response
Consumer complaint received 2019-09-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Specialized Loan Servicing did not issue a Deed of Reconveyance or Lien release for a HELOC that was forgiven/cancelled on XX/XX/XXXX. On XX/XX/XXXX I contacted Specialized Loan Servicing to provide a payoff request or deed of reconveyance for the cancelled HELOC, however, as of XX/XX/XXXX I haven't received any of the documents requested. The only communication I received was a letter from Specialized Loan Servicing on XX/XX/XXXX stating that the Lien release is in the process and " the copy of the lien release will be sent to you under a separate cover ''. I have been calling ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get a status of the lien release. The company is not willing to give me a timeline on when I will receive the lien release.

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 2021-02-20
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 was affected by XXXX, XXXX XXXX XXXX closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to XXXX  and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a charged off account with capital one that was opened XX/XX/XXXX. Then they sold the account to a debt collector on XX/XX/XXXX so now it looks on my credit as if there are two negative accounts one showing from XXXX  XXXX and the other showing from portfolio recovery associates. Which is incorrect because they are potentially the same account. The account is over 6 yrs old therefore by Ohio law and the FCRA the debt collection company can no longer sue for collection of this debt

Company response to consumer: Closed with explanation