BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XX/XX/XXXX - Request credit bureau investigation - not my account XX/XX/XXXX - received completed credit bureau investigation report - stating that it does belong to me and if I have questions contact : XXXX XXXX, XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX - left several messages ( no live representative to speak with ) ... 

This is hurting my credit score and credit worthiness - what do i need to do to get this frivolous account removed from XXXX, XXXX and XXXX credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX I paid off a loan to XXXX personal loans for over XXXX. It has not been reflected in my credit reports. I called TransUnion and complained. I have called XXXX and they have now sent the info to the credit companies on three separate occasions. While trying to secure a mortgage on a house this is noteworthy because it appears I have more encumbrances than I do. It warrants a legal dispute at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted about a judgement from   XXXX   whic h Javitch Block got r eactivated. I understand that they are allowed to do this. I came to a payment arrangement of {$200.00} per month for which they refuse to provide statements or billings The payments are due the  XXXX  of the month. I paid late this month on the  XXXX  and attempted for several days to call and discuss ( after submitting the payment ) with no response. You get in the phone queue and are  XXXX  in line, you count down to  XXXX  or  XXXX  and are then put into a voice mail that is full and you can not leave a message. This is after  2 hou rs on the waiting line. I did submt an online payment. They did not take the payment I submitted and have a confirmation number for I have sent a fax asking for contact, I have sent several messges. I have been in endless loops trying to speak to someone. I called and spoke witth an operator who immediately put me into a recording without listening to me. Currently am in a loop that tells you there is n o one av ailable to assist, your call will be returned in the order receied, you are advised to leave a message but then put into a voice mail that can not take a message. Please try it :  XXXX . I do n't know what to do about 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 2017-04-13
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They said that they was going to remove it from my credit report because the debt was paid for. My son had insurance of the time of the day of that appointment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: TX
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I called Experian Consumer Credit Reporting Agency to dispute several inaccurate entries on my consumer report such as outdated addresses, additional names, and speaking with representative I was told that an outdated address could not be removed because it was tied to an account and could not be removed, I expressed concern and verbally asked representative was he deliberately violating my constitutional rights to privacy and accurate and complete information per Fair Credit Reporting Act. 

Because he don't have my consent to control my consumer report at free will. I received an email later that day XX/XX/XXXX saying my dispute has been updated. On XX/XX/XXXX I checked my credit report and to my surprise an old outdated address from XXXX has been added to my report. Experian constantly, knowingly, willfully deprive me from liberty, life and the pursuit of happiness and abridge on my Constitutional Rights. 

I have never had a XXXX credit score evidence from XXXX that is within their system, I have been subjected to the custom and usages of Experian violating FCRA, FDCPA, Bill of Rights. Experian has defamed my character, willfully confined me financially, denied me of accurate, complete information within my consumer report and deny my right to privacy according to the The Privacy Act XXXX. Experian constantly add old outdated information to my report every time I dispute outdated information. As a consumer I have rights that should not be violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems , LLC is reporting on my credit report for XXXX XXXX XXXX ( a credit card company ). I 've contacted Jefferson Capital and ask for the original indebtedness of said account to no  response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 CashApp ( XXXXXXXX XXXX  ) refunded payment made to me for services over a month and a half ago due to the paying party filing false disputes with the bank. These payments were made and received in good faith and services were rendered. To this point they have taken {$160.00} out of my account and " refunded '' to the other party without notification of dispute or cause for such dispute. I have tried to Contact the other party to no avail and the customer service department at the bank informed me that it was completely up to their discretion to remove funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: FL
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 this letter about XXXX ( XXXX XXXX XXXX XXXX This account does not belong to me. This is fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud. 

Please also remove these inquires as I did not grant anyone permission to access my credit, did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove these addresses that do not belong to me, I have never lived at any of these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please also remove all employment information as I am not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by XXXX XXXX XXXX. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 XXXX reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by XXXX and at the suggestion of XXXX used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. XXXX credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that XXXX reported me to the credit bureau ( s ) as being 30 days late. I contacted XXXX and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, XXXX has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at citizens with adequate funds but state that since it was not there fault they can continue to report my account as past 30.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Integrated Recovery Services
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Received Several different calls from this number for Different names of People this is a place of business and I let them know that if that person is an employee with us they must call them on there personal phone because no one is in the office by that name the caller then asked what was the persons cell numb er I told t he caller if they are requesting verification of employment I can provide a Fax number because we do not do verbal employment verification request must be submitted through Fax the person I spoke to started calling me names   XXXX  ,,  XXXX ,  XXXX   XXXX , the  XXXX  slur  XXXX . I put him speaker so that I could record it on camera how he was speaking I asked to speak with his supv. he stated he was his supv. and he owned his business he then ask to speak with a supv. on my end when i went to transfer he hung up on her this was not at all professional it was rude disgraceful and hurtful how could these people sleep at night and treat people this way it is harassing and taunting if someone tells you that person does not work in this office that should have been the end unless they were requesting employment verification we have over  XXXX  employees and only  XXXX  in the office that person does not hold a job in our office which is the truth I thought that was very rude for this person to be mean and degrading towards me or anyone else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by XXXX XXXX XXXX. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 XXXX reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by XXXX and at the suggestion of XXXX used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. XXXX credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that XXXX reported me to the credit bureau ( s ) as being 30 days late. I contacted XXXX and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, XXXX has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at citizens with adequate funds but state that since it was not there fault they can continue to report my account as past 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that 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 non-monetary relief
Consumer complaint received 2022-04-29
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- XXXXXXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that 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 2019-11-19
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home mortgage with JG Wentworth Home lending and closed at the end of XX/XX/2019. First payment was due XX/XX/XXXX. An electronic payment was sent from XXXX XXXX XXXX to JGW on XX/XX/XXXX. On or about XX/XX/XXXX, I check my online account with JGW and noticed that the XXXX payment was still not posted and I called. I was informed that my mortgage had already been sold to XXXX XXXX  and a new account number assigned. After SEVERAL minutes on hold, the agent ( XXXX ) advised that my XXXX payment was posted to the new account number assigned to XXXX and not the account assigned by JGW. I was told that the posting would be corrected. On or about XX/XX/XXXX, I checked my online account at JGW and the XXXX payment was still not posted. Again, I called JGW. Again, I was told that the XXXX payment was posted to the wrong account and that this would be corrected. On XX/XX/XXXX, I received an alert that I now have a delinquent account with JGW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: CITIBANK, N.A.
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I send money to my personal bank of communication account, XXXX, and you send a email shows that was successful, and I will got it at XX/XX/XXXX, but until now I did n't got it.and I also checked my citiprepaid account, this money also did n't return back, so where is the money?

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 2019-12-18
Company: Experian Information Solutions Inc.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of XXXX, I placed a complaint : Complaint Number XXXX. Experian Credit reported a residential address to my Auto Insurance company XXXX XXXX. The residential address was incorrect. I spent the rest of XXXX trying to get this corrected and reported to my Insurance company. XXXX XXXX uses Experian credit to obtain reports that are used to make financial decisions. I have spoken with the company and I have faxed the company. I am not able to access Experian 's website and obtain a current Credit Report. 
Experian has cost me {$1000.00} to date. 
I am seeking a resolution that requires Experian to notify XXXX XXXX  of my residential address which is XXXX XXXX XXXX, XXXX, MS XXXX. I have lived here for over three years.

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 2022-04-29
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:
I submit a Identity Theft report to Experian regarding an account that does not belong to me. Which is the XXXXXXXX XXXX XXXX account. They removed the account from my credit report and a few days later it was put back on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On  X/XX/  2017 an d on  X/XX/  2017 I ma iled certified letters to      XXXX   XXXX   XXXX   XXXX    asking them to validate this debt that they say I owe {$7600.00} In validating this debt I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. And that if they could n't they need to follow the FDCPA any debt that ca n't be validated you must request that all credit reporting agencies delete the entry. Well on  X/XX/  2017 I s ent a certified letter to   XXXX    XXXX  explaining my attempts in getting    XXXX   XXXX   XXXX   XXXX    to validate this debt and asked them to do so with proof that debt belonged to me. Well even contacting  XXXX  still no sucess. In fact attached you will see that they violated the FDCPA by not marking it as disputed within 30 days a violation of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank, I am unable to pay my mortgage electronically through normal course of online payment. I called the : ( XXXX ) XXXX and I am told they are having technical difficulties and they are unable to take my call. I am immediately cut off for further contact or provided with an alternative number for online payment. I am very concern that this will affect my credit rating of a late payment.

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 2021-12-14
Company: Experian Information Solutions 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:
I have unauthorized inquires that I did not consent. 
Improper use of my credit. 
Fraudulent accounts or charges appear on 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 non-monetary relief