BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account is showing late payments and charge off.

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 2020-12-25
Company: World Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company that I'm complaining about is called world finance on one credit report they are listed as world finance and on another they are listed as XXXX personal credit plan. they list multiple dates and show it multiple times on my credit report all with different dates. this debt is more than seven years old and should be removed from my credit report but they keep changing all the dates. I have disputed this numerous times with XXXX XXXX  and other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I 'm not sure I selected the correct option, but I would like help in solving the following problem. On XXXX XXXX, 2015, I received an alert from the XXXX credit monitoring service I subscribe to. The notice stated that I had a new hard inquiry on my credit report. I immediately contacted XXXX to dispute the error. The representative I spoke with stated that I needed to contact the creditor Cash Central and that they would need to contact XXXX. When I contacted Cash Central, I was told that I did not have a loan with them, or submit an application, but that a third party provided my information to them. Cash Central put in a request for someone to contact me. During the phone call I explained that I did apply for a loan from Cash Central nor did I give permission for my credit to be pulled. I advised that XXXX has the credit inquiry listed as a hard inquiry on my credit and that I would like it corrected. 

On XXXX/XXXX/15 I received the following email response : Dear XXXX XXXX, We are in receipt of your dispute regarding a credit inquiry by Cash Central. Cash Central was forwarded your application information for a loan from a Lead Provider. The application was declined and no loans have been requested in your name. 

Under the terms of the Fair Credit Reporting Act, Cash Central can obtain credit report information regarding customers when ( 1 ) the credit report information was pulled in connection with a credit transaction involving the customer and a request for an extension of credit, and ( 2 ) Cash Central otherwise had a legitimate business need for the information. 

Your application was forwarded to us in a manner that permits us to take the steps needed to complete verification of the applicant, including, by way of example, referring to databases containing consumer information and pulling credit reports. 

If you would like further information on the lead provider in which Cash Central obtained your information, please contact me directly. 

Sincerely, XXXX XXXX Cash Central XXXX XXXXXXXXXXXX I then sent the following response : Good Evening XXXX XXXX, Thanks so much for the quick response, but I 'm not sure I fully understand the response. XXXX listed Cash Central as a hard inquiry on my credit report, but I did not apply for credit from Cash Central or any other company on Saturday, XXXX XXXX. Nor did I give permission for my credit to be pulled by Cash Central and XXXX will not remove the inquiry from my credit report until your company provides me with a letter, or contacts them. Please help!! 

In addition, what is the name of the lead provider as I would like to contact them as well. 

Thanks in advance for your response, XXXX XXXX Please help!! Is Cash Central able to pull a hard inquiry of my credit report without my permission. I am in the process of rebuilding my credit and do not wish to have my credit pulled without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PLEASE HELP! 
On XX/XX/XXXX I send Captial One Bank a letter requesting debt validation. Captial One Bank first failed to respond in the required time allowance. I just received their response in the US mail today. Captial One Bank also failed to abide by the law in regards to debt validation. 15 USC 1692g. As seen in the letter that I have attached one of the validation request was for Captial One Bank to send correspondence that bear my signature of an agreement. I received correspondence from Capital One stating that the application that I requested validation of debt was taken over the phone or the internet. Due to the fact that Captial One has failed to validate that this debt belong to me because there is no paper copy. They have no signature on file that I indeed open this account. I need to know how to get Captial One to closed their account and remove it from my Consumer credit report. This account has cause my consumer credit repair to reflect in a negative way and it does not reflect my credit worthiness. Statements and or charges does not validate that I XXXX XXXX indeed opened this account in XXXX. I feel like Captial One Bank is bullying me and is reporting a false fraudulent account on my consumer credit report. I never authorize nor gave permission for Captial One to report anything on my consumer credit report. Captial One needs to abide, follow and respect the laws of an Consumer. As a consumer I have rights and Capital One Bank is violating my rights. I feel like I am being treated like a Criminal. Captial One Bank has no documentation that proves I opened this account nor that its my account and continues to report it to the credit reporting agencies. I don't understand how these companies can continue to report items that are fraudulent and false. I really need help! This account that I didn't authorize is causing me an inconvenience. I am trying to purchase a home. I am working how to build my credit and increase my score and Capital One Bank is just sending correspondence that not only does not validate but they failed to respond to the letter in full. They responded to the parts that they wanted which is not a valid response. Due to the fact that its invalid and against the law if I am not able to get them to remove this account that I didn't authorize I will be force to file a litigation. Capital One failed me as a consumer 15USC 1692e, 15USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I solicited the services of a resume writing service in XXXX XXXX. On XXXX XXXX, XXXX I requested a refund after continual delays in process my order for a professionally written resume. On XXXX XXXX, XXXX the company owner finally responded to my third email about my requested refund of which I am entitled as they offered a guarantee and she ( company owner ) stated that XXXX refunds had already been processed and sent me confirmation that they had been - XXXX refund for {$240.00} and XXXX for {$300.00}. Meantime she then submits a ACH from my financial institution in the amount of {$390.00} on XXXX XXXX, XXXX. I certainly did not authorize any additional payment to this woman or this company - I wanted nothing else to do with these people. 

XXXX of the refunds total {$390.00} and I absolutely did not request anything else from this company. I believe it is a fraudulent transaction and I have alerted my financial institution. However, I believe they are operating in an unscrupulous manner and should be subject to discipline.

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 2023-02-23
Company: DISCOVER BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
The bank said it had a soft ware issue. 
So my money has been frozen for two days and no answer yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: MD
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Velocity Portfolio Group
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: Reporting company used your report improperly

Complaint:
This creditor CKS PRIME INVESTMENT is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section XXXX states a consumer reporting agency can not furnish a account without my written consent, I do not owe CKS PRIME INVESTMENT ANY Money and I demand that they provide actual validation with my WRITTEN CONSENT STATING I OWE THEM AND THST I GAVE THEM PERMISSION TO VIOLATE MY RIGHTS TO PRIVACY I also demand a copy of the contract binding both parties ( CKS PRIME INVESTMENT & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from CKS PRIME INVESTMENT within 5 days as listed in the terms of the the consumer book! kind regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage assumed my home loan from XXXX XXXX. They paid my hazard insurance but failed to send a payment for my flood insurance. I have tried for the past 3 weeks to have them send the premium but still nothing. The money is in the escrow account and all they have to do is send 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 2023-03-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have multipole accounts with Shellpoint 4 of which reported a later payment for the month of XXXX the same month Shellpoint decided to change their mailing address. I was never updated with the new mailing address as i rarely look at the statements that are sent to me i have a team who manage all my accounts and they are the ones to make sure all the payments are made i never missed a payments in my life and i never-missed since the incident. This is a case of simple miss-communication which happens to everyone. As a result of not being notified of the address change the check that was mailed for that month was sent to the old address and returned to us only for us to make a payments right away to find out that we where more then 30 days late which cased them to report a late payment on 4 separate accounts. This has affected my credit score dearly and prevented me from getting any new financing which is causing me severe damages to my business and personal health. I submitted a written request to the Company Involved only yo be told that the mistake was on on their end so they wont be correcting the payment history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Having extreme issues closing. Asking for documents that have been submitted multiple times. Unable to reach anybody at any decent time. Closing date being pushed out once now possibly a second time. The day before closing now at XXXX XXXX we still dont have a time to be at closing tomorrow. Unable to talk to anybody about this matter. This whole process has taken seven weeks and it is still not finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: CITIBANK, N.A.
State: VA
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:
XX/XX/2020 Citi Bank Office of the President XXXX. XXXX XXXX XXXX XXXX, SD XXXX. Citi Reference Number : XXXX CC. Consumer Financial Protection Bureau - Case # XXXX Dear Citi, I am in receipt of your letter dated XX/XX/2020. 

Clearly you did not review the history of this account. Please see the attached past correspondence of the sequence of the events showing the system issues that resulted in a {$3.00} requested refund in lieu of the appropriate {$3000.00}. 

Therefore, I am requesting that you review the whole history from XX/XX/XXXX till today. This should clarify my case : In summary : XX/XX/XXXX Open the dispute of {$3.00} only because the system did not allow me to include the {$2900.00} due to a Citi technical web site issue ( so I was told by the dispute department staff ) XX/XX/XXXX Citi acknowledged the web technical issues and Citi tried to adjust the dispute to the correct amount of {$2900.00} but entered the wrong amount of {$1900.00}. 

XX/XX/XXXX Citi acknowledged the amount error and corrected the dispute amount to the correct amount of {$2900.00} Since XX/XX/XXXX, Citi has given me the round around every time I inquired : a. Past due date of the of the dispute b. I was already refunded by the merchant c. I did not submit the documents d. Etc. 

I truly believe that no one at your company took the time to review this and give it the time and effort to truly understand the case. 

Added proof that nobody is looking at my case is the fact that I have paid my CITI Credit Card balance some time ago and I have no balance due on my existing credit card. 

XXXX XXXX Enclosed : Email dated XX/XX/2020 Email dated XX/XX/2020 Email dated XX/XX/2020 Email dated XX/XX/2020 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 2016-03-13
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are accounts in my credit report that do not belong to me and Experian is ignoring my requests to investigate and remove the accounts from my credit report that do not belong to 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 2015-08-10
Company: TOTAL MORTGAGE SERVICES LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Acquired a mortgage in XXXX through XXXX XXXX at Total Mortgage in XXXX, CT. XXXX rarely responded to emails after he and his staff demanded we get documentation in by a certain day. We needed our lawyer to request XXXX extensions from the seller 's attorney as a result of XXXX dropping the ball several times. He told us he would try to float down our rate, then never told us when our rate even expired, then tried to bully us into paying for a rate lock extension. XXXX many times threatened us by stating we did n't deserve good customer service and he could charge us what he chose to extend the rate. We had to ask for the GFE paperwork XXXX times until it was finally emailed. 

4 days before our closing the company all of a sudden demanded we close all our credit card accounts since they were paid off. XXXX associate XXXX, then told our lawyer we would n't be closing until at least 3-4 days after the set date. The icing on the cake was right before closing where XXXX admitted to bullying us because we asked to many questions and again said we did n't deserve good service. He then began shouting about all the loans he 's closed this year and how great the company is. Many people we worked with to close our loan were surprised and apologized for the poor service we received by this company. 

I was fine with dropping this but felt a complaint should be filed after I posted a review on XXXX and now XXXX has begun harassing me by texting my cell phone about my review. The next step if I get another text from him will be a visit to the police station in the town he does business in order to discuss harassment charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Credit Central Holdings, LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
First of all this company makes it an inconvenience to its customers needing to make some type of arrangement for a late payment. They want their customers to come to the office to make the arrangement and refuse to do it over the phone where as all other financial institutions will gladly do it over the phone. This company wants you to leave your employer to come in the office possibility of their customer losing their job. Second this particular branch calls you a day before the arrangement has been set for saying that the arrangement day was missed. You tell this particular branch you mailed the payment and it takes one day to get from the customer 's house to their office via mail. They still call 6+ times a day after 3 days you mailed knowing they have the payment and want to harass you anyways very unprofessional and rude to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For about the past two years, i have received hundreds, literally hundreds of phone calls from Portfolio Recovery, along with a couple of aliases, and non-identifiable numbers that appear as foreign numbers ( additional digits/ missing digits ), very rarely will I receive the same number twice. however my caller I.D . however will show : XXXX ; Portfolio ; etc. 
I have saved most of the numbers, once I knew there was a limit of sorts, here are some examples : date : orig no. XXXX addt. dates XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX [ XX/XX/XXXX ] XX/XX/XXXX XXXX XX/XX/XXXX XXXX [ XX/XX/XXXX ; XX/XX/XXXX ] XX/XX/XXXX XXXX [ XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ] XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX [ XX/XX/XXXX ] ... I will be providing a detailed list from my cellular provider, once it's compiled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: FL
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, nor are the addresses are mine, and I did not authorize these companies to pull my credit.

Company response to consumer: Closed with explanation