BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-26
Company: Northeast Receivables Management, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The employee or representative of the company called multiple times on XXXX XXXX 2015 accusing me of check fraud and theft and to file in courts of law where I live for said charges while trying to collect on a payday loan I have no knowledge about and for which they were asked to validate as of XXXX XXXX 2015. A XXXX XXXX called, was very rude and abusive in his approach, kept talking over me when trying to ask questions and respond to his, and threatened me with being taken to court for check fraud and theft both of which are criminal offenses and are not applicable in the civil case of a collection action. XXXX XXXX repeatedly called me after we spoke and I asked for validation of the debt, left messages on my phone that I needed to take care of it immediately, and called who he thought was my father on the morning of XXXX XXXX stating that I was in trouble for theft and check fraud and that I needed to take care of it immediately thereby defaming my character with his continued malicious and illegal collection practices. A letter was emailed to an email address as a reply from one sent to me, and a certified letter was mailed to the address of record on XXXX XXXX 2015 asking for validation of the debt and informing of their violations of law and improper tactics and practices. These practices are illegal, abusive, harassing, and unnecessary even of someone who does owe a debt in collection. They sent me an email claiming the letter attached to be a validation of the debt, which it was just a debt collection letter they should have sent in the first place and NOT a validation of the debt. They are in violation of FDCPA sections 806, 807, and 812 if not more.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent in a dispute last year and again in XX/XX/XXXX. This item was removed from my account. After 3 months it is put back on XXXX and XXXX  with an opened date of XX/XX/XXXX which from my understanding the open date has to be the date originally opened which was in XX/XX/XXXX. I constantly get calls on my cell number from Diversified Consultants at all times of day and night. I have never received written notification from anyone about this item being put back on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: WAKEFIELD & ASSOCIATES, 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:
Today XX/XX/XXXX I received a debt collection letter for a company named XXXX XXXX XXXX XXXX which I have never heard of or accrued debt with. The collection agency named Wakefield & Associates letter stated debt was obtained XXXX, XXXX, XXXX. When I look up the creditor, I can not find any information on what it truly is even. It doesnt seem legitimate as a company, and for sure is nothing I owe. My name wasnt even correct. The link to the website on their page isnt even legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A person calling himself XXXX XXXX posed as a Ditech Mortgage Representative. He contacted me by telephone on Wednesday XXXX XXXX, XXXX at XXXX XXXX. Per my caller ID he called from XXXX and left a voice mail for me to return his call at XXXX XXXX XXXX XXXX if I was interested in saving my home. I contacted XXXX XXXX on the direct line he provided and negotiated an amount of {$500.00} to be paid that day and an additional {$800.00} to be paid on Friday XXXX XXXX, XXXX. What seemed odd was the method of payment. It was required that I purchase a prepaid debit card in the amount of {$500.00} from XXXX, call XXXX XXXX with the account number, CVV number and date of expiration. I felt weird about this all night. I contacted Ditech customer service at XXXX XXXX XXXX XXXX before completing the second transaction on Friday XXXX XXXX, XXXX. I was informed by Ditech customer service that they do not accept payments using prepaid debit cards, and that they do not accept partial payments for homes in foreclosure. My home had been placed into foreclosure 3 days before. Furthermore, there was no indication on my account that a XXXX XXXX had made any notations on my account about the payments, or our negotiations to move the loan to a modified status. I am about 50/50 if XXXX XXXX actually works for Ditech or had spoofed the telephone number identifying his initial call as being from Ditech. If he is a Ditech employee I feel he mislead me into making a payment that will not allow me to modify my mortgage. In any case when XXXX XXXX called by this morning to execute the {$800.00} payment I told him he could go to XXXX as he had already stolen {$500.00} from me. Please help me determine if I got ripped off or if I am just being played by my mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account XXXX 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 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 2016-03-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I been having issues when using MoneyGram. When the money is transferred it is never available to the receiver, even after getting a confirmation transfer reference number. I sent money to this person several times before and have not been so upset with the agent service that MoneyGram provides. These people are not aware why and rude. I sent a transfer on XXXX/XXXX/2016 at a Walmart site and it was a10 minute request and was told that the person can get the money with the reference number and their ID. What a surprise they called and said it was not available. I was told " under review '' by the MoneyGram agent then transfer to someone who could not speak English well. So I asked him to slow down, then he hung up on me, very RUDE. 
The agent at the Walmart site when the receiver was also experience the same issue with the MoneyGram reps since I asked my friend. He indicated that the Walmart agent was not please, it took over 30 minutes, which is horrible service. 
Therefore I sent an feedback for someone to contact me within the US. However, they had a person not in the US called. She could not explain why the money was not available and then had the nerve to said " because the person name was similar to someone else ''. This I find to be a false since I sent money to the person several times and never had this issue. This type of information can be consider damaging to my character and the receiver. Therefore, I need corporate with the US to contact me on this matter!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX has that I owe them XXXX. This amount is erroneous. I called XXXX to cancel my mobile service and they refused to cancel unless I paid the outstanding balance so they continued to bill me and add on late fees which totaled the amount above. I can not believe they refused to cancel my service and continued to bill me. this outstanding balance has been transferred to various collection agencies in an attempt to collect the erroneous debt and its negatively impacting my credit score/credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, Account # 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 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 2020-03-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 three transactions were made on my atm card. They withdrew {$40.00}, {$260.00} & {$300.00}, I became aware of these after chase bank called on a transaction they had denied..but didn't seem to have caught these. I filed a report with them and they denied it saying since it was a chipped card it is impossible that these transactions were done by me. Reopened the claim and they denied it again. They stated the transactions were done at the Atm I always use, mind you this is the closest Atm to me. They have put in a peralis situation since this money is destined for house repairs. Now today 3 more transactions were made at XXXX {$60.00}, {$63.00} and {$100.00}. Since I have been working from home I have not left my home all day. Did file report but afraid they may come back with the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Ark-La-Tex Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I XXXX county school taxes XX/XX/XXXX XX/XX/XXXX.Benchmark has stated to me they had the taxed XX/XX/XXXX. As of today XX/XX/XXXX they are still refusing to release the funds to pay these taxes. There is over {$2600.00} in my escrow account. The taxes are now loaded with the court house with the tax claim department. Benchmark Mortgage has sent a {$20.00} check to get the information released. They are now refusing to call to get the figures for XXXX. I am at a loss trying to get the the funds released to pay the taxes. There is sufficient funds and still they will not release the funds. I have los time at work over this - this has caused so much unnecessary XXXX. Please help me. My property is in tax claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have tried to work through XXXX and XXXX to remove an invalid debt for over 4 months, and have been rejected through the re-investigation process. The company, AFNI INC, is a well-known predatory debt collection " company '' that creates false debts, sends them to credit reporting agencies, and makes dozens of harrasing calls each day to their " customers ''. The debt they have reported with XXXX XXXX XXXX for {$410.00} does not exist, as I have confirmed with XXXX XXXX XXXX that no such collection was filed. With the smallest amount of online research, I was able to find out that AFNI uses these false debt collection practices on thousands of Americans every year. It 's predatory bullying at it 's worst and the exact reason the CFPB exists. I have spent hours trying to get XXXX and XXXX to remove this FALSE collection from my reports, but they have not taken them time to research AFNI and see that they are a SCAM. I am now urging the CFPB to do whatever is necessary to remove this false debt from my credit reports. I have exhausted every remedy that was suggested to this point of working through the credit reporting agencies. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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:
I've tried for 3 months to get validation of medical debts. I've disputed and in every case have been told the debt was valid without any validation of the debt by me. I was in the XXXX in XXXX but the debts are dated for XXXX... I'm assuming so these debts could be rushed to my credit report bypassing the 6 month wait period. I've dealt with the hospital and their {$120000.00} bill and only received care while confined to the hospital with no followups are outside care. The bill from the hospital is about XXXX pages and I see no debts for the amounts that were turned over to the collection agencies. I've never received any billing nor any communication with collection agencies. I'm confused how the credit credit bureaus can determine a debt validated without 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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-07-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not allowing any of my lenders to access my credit report after multiple attempts exhausted trying to fix the issue. I am at a standstill. It is also not reporting all of my credit accounts. This needs to be fixed asap to allow my lenders access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX  XXXX  XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX   XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX   XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX   XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX   Unauthorized and demand strict proof. XXXX XXXX XXXX   Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my  personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to 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 2022-09-02
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Your company has violated my RIGHTS! I recently received your report and I am in shock. The account is listed below : Reference # - XXXX Date - XX/XX/2019 Delete the account immediately! 

According the FCRA, you have ALREADY VIOLATED 2 LAWS : 1. 15 usc 1681 ( a ) XXXX XXXX XXXX Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) XXXX XXXX  ) No Permissible purpose/ No written instruction Also attached is a court response stating " The U.S. Bankruptcy Court , XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection agency is calling for XXXX XXXX. I am not him. This is his sole debt. They are also calling my Mother. He is my ex husband. He is out on bond for XXXX charges of unlawful conduct on a child. I gave them his phone number, address, his parents address. They continue to call me and my Mother on her phone line. I asked them to stop calling me as did she request for the calls to us to cease. The calls continue to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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