BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-14
Company: American Consumer Credit Counseling, Inc.
State: NV
Product: Other financial service
Sub-product: Debt settlement
Issue: Customer service/Customer relations

Complaint:
I 'd like your intervention in getting the cancellation response from the following company : American Consumer Credit Counseling XXXX Inc. 
XXXX XXXX, MA XXXX Client Reference # XXXX ; XXXX I had previously contacted this company for credit counseling. The process was scheduled to start on XX/XX/2017 with an initial amount of {$980.00} to be drafted to my Bank account on or about XX/XX/2017. In the meantime, I decided to cancel the arrangement, and I notified this company several times through email notifications. I also tried to contact the company by phone, but they 're not reachable ; and nobody contacted me after leaving numerous voicemail messages. The company needs to send me a confimation letter stating that proposed contract is cancelled and they would make no withdrawals from my bank account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: LendUp Loans LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a loan with Lendup and due to financial hardship and the fact I was caught in the payday loan trap I am unable to pay on time. I got credit counseling through a non profit XXXX XXXX and Lendup refuses to work with them. If they are legitmate lender like they claim, why wouldnt they work with credit counseling like every other lender.

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
Consumer complaint received 2016-03-24
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I get calls every few weeks weeks referencing a medical debt that is claimed that I owe. I do not owe this debt. It has been paid and I have the check image showing that it was paid and cleared my bank account on XXXX/XXXX/XXXX. There is now a collection item listed on my credit report as of XXXX/XXXX/XXXX for this debt that I no longer owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: Medical Data Systems, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.

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 2020-11-15
Company: CITIBANK, N.A.
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:
On XX/XX/2020, THD/CBNA add a hard inquiry on my credit report per 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 2020-12-25
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After countless phone calls and emails and being sent from one department to another over and over again, these people refuse to send me my refund of {$29.00}. They have told me several times that a check is on the way.

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 monetary relief
Consumer complaint received 2017-04-24
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I called Comenity bank New york and company and gave them the opportunity to correct an error. I spoke to  XXXX  and she refused to remove a late payment that was recently reported for late payment in  XXXX    XXXX  . This is a violation of the  XXXX  bankruptcy code and my right under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Though I have previously complained ( XXXX ) about Discover cards false reporting to the credit bureaus, Discover card still failed to correct the wrong report 30 days late/delinquent for XX/XX/2019 payment. 
As a result, I am being discriminated through denial by other banks for simple LOC or borrowing. The latest denial cited the following report from XXXX, XXXX and XXXX : At this time, the following are key factors that adversely affected your credit score : * TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT * TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN * LEVEL OF DELINQUENCY ON ACCOUNTS * NUMBER OF ACCOUNTS WITH DELINQUENCY The only delinquency in my entire XXXX-year credit history is the only false report by Discover as illustrated by my previous complaint to CFPB XXXX. 
It has been over a year of this false report. Since Discover failed to produce any shred of evidence to prove their false statement that I agreed to a wrong random debit account for autopay, I request your kind help to force Discover card to correct the erroneous report to the credit bureaus immediately.

I need your help to have Discover remove this immediately with the correction to the credit bureaus they can produce any evidence of a recorded message indicating that I agreed to a wrong debit account number. The truth was that an incompetent discover employee erroneously placed a wrong debit account and then the Discover people tried to cover up their negligence and incompetency by ruining my unblemished record of XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Judgement line was filed then LVNV funding started collecting. They hired an attorneys office they called said they were from a locators services and there was a civil criminal case against me and I was to call this attorney in XXXX. I never did. A few days later with no notice my checking account was garnished. How is this fair? Is any one going to do anything this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Repeated calls from company with threats of legal action prior to me sending the check to bring the account current. The day after the check to bring the account current. A representative arrived at my apartment and proceeded to argue about the debt in the hallway within earshot of my neighbor who should n't have heard information regarding my debt. After XXXX was notified the check was mailed and to leave, she threatened to return with police officers.

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 2015-12-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX Bayview Loan Servicing LLC ( BV ) took over servicing of our mortgage from XXXX XXXX. On that date an escrow account balance of {$560.00} was transferred to Bayview. An Annual Escrow Account Disclosure Statement BV sent dated XXXX XXXX, XXXX had sections listing Escrow Disbursements and Projected Escrow Activity, but the Account History section is blank, thus failing to provide us with necessary information on all escrow activities from XXXX XXXX to XXXX XXXX. A statement dated XXXX XXXX, XXXX is missing account history from XXXX to XXXX XXXX. These XXXX misrepresentations are in violation of RESPA. 
When I called BV requesting the missing escrow account history they said I would have to write a letter to BV Customer Service Department. Sent a letter dated XXXX XXXX, XXXX. We received a response dated XXXX XXXX, XXXX ( mailed XXXX/XXXX/XXXX ) from a XXXX XXXX, Case Manager in the Customer Service Department at BV. It stated that she " enclosed a copy of the all escrow account disclosure statements conducted Bayview for your review. '' ( The poor sentence structure is hers, not mine ) and, " Enclosed is a copy of the Account Activity Statements as it provides a detailed accounting of all transactions and their effective due dates for your review. '' What she sent was a copy of the statements that we already have. There was no acknowledgement of our actual request. So they have still neglected to provide an accounting required by law for the period from XXXX XXXX to XXXX XXXX. Their response indicates that they do n't intend to. 
I called BV again and asked for XXXX XXXX. They would not connect me to her and would not agree to send the required information. The person I spoke with said he ca n't get it, but he did n't make any attempt to do so. 
The records we have for our mortgage loan are still incomplete and we are unable to view the records of how BV handled our escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Creditor has called my office number multiple times, each time I answered the phone with the company name and they hang up. Last calls logged were XXXX at XXXX & XXXX/XXXX/XXXX at XXXX Calls were from XXXX XXXX In the last phone call, XXXX/XXXX/XXXX at XXXX EST I advised the law firm that they had called my work, and asked what the call was in reference to, as it originated from a law firm. They would not advise the nature but requested I verify whom i was with Social Security number and home address. As this was a cold call, i refused. After a couple minutes of arguing I gave my city and zip followed by my the month and year of birth. 

The law firm still would not advise what the call was in regards to and continued to push me for further personnel information. I refused and after three minutes of back and forth, the law firm advised it was in regards to a company, that I do not own, under someone with a similar name. They then proceeded to push me for personnel information on another person. I refused, and continued to refuse each request. 

I am appalled by the predatory practices utilized by this law firm, the fact that they continued to call my office, and that they try to request additional personnel information even after my zip code and year of birth did not match whom they were looking for. How can this be a legal practice as it is predatory collections if not phishing scam. 

The reason the number is listed is that I work sales and if you google my name it comes up as a work number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Company repeatedly corrects my credit report after a CFPB complaint and then immediately puts late payments back on my credit report once case is closed. This is the 3rd time. Each time Bayview Loan Servicing acknowledged their error and each time they report negative information which is against court order and lawyer. My account has NOT been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions 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 {$0.00}, {$0.00}, {$0.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my 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 2022-03-17
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Citi Bank/Best Buy never sent a statement, pursuant to 15 USC 1692g ( a ) ( 3 ), that I have 30 days to dispute the validity of the debt, or any portion thereof, or the debt will be assumed valid by the debt collector.

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 2020-12-26
Company: Experian Information Solutions Inc.
State: NJ
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 {$230.00}, {$6100.00}, {$7200.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my 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 2020-12-26
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 do not recognize the account numbers for what they are. Therefore, I am demanding that they be removed from my consumer credit report. 


XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant of FCRA 623 and FCRA 605B, I am demanding that the following items be deleted from my consumer credit report XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Real Time Group, Inc.
State: WA
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 've been getting repeated attempts to contact me on my business line ( from an automated dialer ). I 've called back twice, once I left a message and a second time I talked to a live person that verified the debt is not mine. Still they contact my number looking for someone I do n't know. The calls started on XXXX and have gotten a call on these days since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I spoke to them on XXXX and it has n't stopped.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
hi I made an online transaction with Western Union on XXXX XXXX. For an inexplicable reason, the transaction did not go through. After several follow ups, on XXXX XXXX they advised a refund has been processed. Till date i have yet to receive my money back. Please assist me with this, I have called their customer service and escalation teams every three to four days without a result. It is six weeks now since this transaction was rejected and i have yet to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Can't contact lender

Complaint:
I received a letter from a company identifying themselves as California Check Cashing requesting payment for a loan that I know nothing about. I called the phone number on the letter to inquire about the letter sent to me, but they insisted that the only way they can help me is if I disclose my social security number to them which I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I took out a XXXX loan and made XXXX payments on it before I ran into financial difficulties. Checksmart has repeatedly called me at work even after being advised that I can not take calls at work. During most recent call on XXXX/XXXX/16 the caller even indicated that he knew I was at work and could n't talk so he " would n't take up too much of my time. '' Additionally, they call me at least four times just about every day and often call back to back with little more than 30 seconds between calls. I have more than XXXX messages just from the last 30 days on saved on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I can not afford to pay such a large amount. I do n't recall the details of this debt. A more reasonable amount and better explanation of the details of this debt would help me to understand and/or pay 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