BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Day, My name is XXXX XXXX and I'm trying to get this alleged debt resolved. This alleged debt has been affecting my credit for years and I'm about to give XXXX to XXXX XXXX within the next month. I am about to go on XXXX XXXX or actually, I am on XXXX XXXX  and I don't have the necessary funds to pay this entire debt. Today 's economy is hard trying to make ends meet and this alleged debt doesn't make it any better. This will mean a lot if you're able to help me. Thank You and have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection was opened XXXX XXXX 2016 by XXXX XXXX Clinic given to me in State collections for my credit report. This account is wrong. I had medical insurance at the time and still have medical insurance. I am a XXXX XXXX who barely makes enough to feed myself. I have explained time and time again. I can not pay this and this is affecting me every turn I make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax keeps on violating fcra regulations they recently reinsert information on my report which was deleted long time ago, reinsert, deleted, and now again reinsert. When reaching out to them by email they simply not responding or just giving false and funny answers. In result of this, I was already denied a mortgage, even if they correct it and l reapply, I'm not sure it will still help, and if it does, it will surely lead to an extra hard inquiry on my report. IT'S ABOUT TIME TO FINALLY PUT EQUIFAX OUT OF BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Roycroft Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The call is coming from " CMS '' ( XXXX ). The rep who is " handling '' my case is " XXXX XXXX ''. XXXX says they are attempting to collect a debt on behalf of XXXX. In XXXX  2015, I did take out a payday loan - in person. No online application submitted. After the threatening phone call, I was to pay {$250.00} soon ( upcoming payday ), or the amount would increase over $ 1000+ ... The company ( CMS ) address provided, as per my request was : XXXX XXXX, XXXX, NY XXXX. The " DOS '' they 've quoted me is XX/XX/XXXX/2015 ; however this is so very inaccurate. I 've asked for info via email and of course they created a faux document which I still have in my email. They said to avoid being served papers at my work, I need to call XXXX ; naively, I did so and spoke with an " XXXX '' ... and fearfully, I provided her with my debit card # to be charged later that week. [ Initially my case # given was : XXXX. However, now that they 're calling me at work again, the case # differs ( XXXX ) ].
<P/>
I had a funny feeling and remember hearing about fake payday loan companies who go after people attempting to collect for an old payday loan. So, I decided to do research and look-up the info given during the call with " CMS '' ; I then contacted XXXX directly. I s/w with the rep there who said she 'd provide my call back info to their Corp office ; later that day, I received a call from XXXX from XXXX XXXX corp office. She states the collection agency/company third-party that they use is XXXX  XXXX. She says their collection attempts to not include harassing phone calls and, more importantly, they do not include a company " CMS ''. XXXX  states this is not the company they use for collection.
<P/>
Once knowledge had been received from XXXX XXXX corporate office, I cancelled my direct deposit to avoid being charged by CMS. Later that day, I called CMS back and spoke w/ the 'case manager XXXX XXXX ' . I told him that I spoke w/ XXXX and their info differed from that of which XXXX had provided. He began to go on and on about his legitimacy ; I just said " ok, uh-huh ... and he asked if the payment would still be made on my payday, I said Yeahhh surree ... The calls stopped for a few weeks until 2-3 weeks ago. Everyday they call me at WORK! It 's quite embarrassing ... they 're so anxious to s/w me so they can avoid serving me at work ... why not at home? And since I 've ignored their calls and voicemails, what are they waiting for?
<P/>
Please help me to make this stop! PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with  XXXX  and the company   XXXX    has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also experian i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved

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 2021-03-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, my husband and I went to get a car loan for a second vehicle because our son recently totaled our 2nd vehicle. When we applied we were denied by several banks, we asked why and they said it was because we were not making our payments on our current vehicle, he said that it claims we were on a deferment, which we were not So I looked at the credit report and it did not have any payments reported to the credit since XXXX of XXXX. I got home and called Wells Fargo Dealer Services, I told them the problem and the man I spoke with assured me it would be handled with in the next XXXX hours and in the mean time he would send me the payment history to prove we made payments and maybe the banks would take that for approval. Still we were denied, we waited a week and checked again, still nothing fixed on the credit report. A few days later I got an email saying payments were reported to my auto loan, I received notification from XXXX XXXX, so I checked, and they reported XXXX and XXXX of XXXX but still did not report payments from XXXX through XXXX.I then made a dispute with XXXX XXXX and it was kicked back as valid or fixed, not my credit says resolved but customer disputes. I called WFDS again and was put on hold for 20 minutes, I ended the call. I then called again and was told since I said I would contact you all I needed to talk to the office of presidents team and they were closed so I needed to call back. I asked the man for the number and he did not have it. I am at a loss right now, I can not get to work without a vehicle, I live in the mountains and can not even go grocery shopping. I am not able to get a car loan because of their reporting, not only that, where did the {$2300.00} in payments go, we are on the final end of our car loan and can not even get a correct pay off because they refuse to fix the missed payments. I can not access the link they sent my payment history on and since I can not access my account online. All payments were made, we were not on a deferment nor did we ask for one.

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 2022-04-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX - Opened XX/XX/2018 - amount of $ XXXX These were fraudulent charges placed on my report I've never had XXXX XXXX as a provider and did not give permission to use my Credit Info . The Company did nothing when notified about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: CITIBANK, N.A.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a credit monitoring notice stating that I have two collections for " XXXX XXXX/Citibank '' student loans from XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX. They stated that they have no record of having my account ( but they service student loans for Citibank ). They did state however that my social security number was listed " on a spreadsheet with no identifiable personal or account information. '' That was disturbing. Why would they have my social security number on a spreadsheet and I do not have an account in their office. <P/>XXXX XXXX directed me to call XXXX XXXX XXXX, because they also service Citibank student loans. I called them at ( XXXX ) XXXX on XX/XX/XXXX. A young man informed me that Citibank sent my account to their office in XX/XX/XXXX, but took the account back one week later. I asked him what that means and he said that there were no notes on the account. He stated that they do not have my account, Citibank has my account. He told me to call them at ( XXXX ) XXXX. <P/>I called Citibank on XX/XX/XXXX regarding the account. I was told that my account went into collections in XX/XX/XXXX. First, my account has been in deferment since XX/XX/XXXX. Second, I never received any notice of requested payment. Third, I never received an FDCPA compliant letter stating my account was going into collections. Citibank had no response to my statements or my request to see my entire account history. <P/>I have been on the phone for hours today trying to get to the bottom of why I have these deferred, never late accounts appearing as collections on my credit report. I have never made a late payment. I have never missed a payment. I do not understand. This is costing me the ability to purchase a home. Thee are the only negative items on my credit report. My score has dropped XXXX points because of this terrible mistake. Please help 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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to Transunion with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to XXXX sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX XXXX, and also a letter to XXXX sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXX XXXX  on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX, and TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, TransUnion, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

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 2022-04-05
Company: Atlanticus Services Corporation
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed an unauthorized charge on a credit card I NEVER used and I immediately called them so they sent me a new replacement card and a fraud form which I filled out and sent back a week ago. When I called today to see what was going on they said I had to pay the minimum payment until the investigation was complete which takes 60-90 days.unacceptable I said but they refused to understand my concerns.they said if u dont pay than I would be hit with late fees and missed payments on my credit report. The credit company is called Aspire. The amout was {$280.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to XXXX with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to Equifax sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX XXXX, and also a letter to XXXX sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXX XXXX on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Equifax, and XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, XXXX, and Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2021 at approximately XXXX XXXX  in XXXX, GA, I purchased multiple items from XXXX XXXX XXXX XXXX, by a sales person named XXXX XXXX. However on the receipt there is no charge for the items and there is a charge for {$1200.00} for the sales person XXXX XXXX. This in itself is fraud because the person who charged for the item is selling himself and not the item. The items however, had a {$0.00} figure next to the amount charged for the item. The items were defective so I contacted the seller/customer support to return the item. 

When I attempted to return the item to the sales person XXXX XXXX, he told me that I could return the item for a full refund if I brought the item back. 

The customer service messaged me saying that they would provide a full refund if I would sign a document which I did. 

When i attempted to return the item they would not give back my money. The company to date has not refunded any money to me. I am extremely upset and is rightfully determined to receive my money back from the merchant. 

I researched the company online and saw that there are multiple bad reviews speaking that the company is a scam and fraud and do this to multiple people. 

Thank you for your anticipated courtesy and cooperation in this matter. If you have any questions or concerns please contact me directly at the number above.

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 2022-04-05
Company: Experian Information Solutions 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:
Experian is consistently reporting my credit score 70 points below XXXX and XXXX. I was just rejected for a credit card with XXXX because they are saying I have a bankruptcy and my credit score is XXXX. I checked my XXXX Score and it is XXXX and my XXXX score is XXXX. I NEVER went through with a bankruptcy. When you call customer service you can not get a hold of a human. There is nobody to assist you. I want to know why my credit score is 60 points below XXXX and XXXX. These do not update my report timely and somebody needs to explain this enormous discrepancy between their reporting and XXXX and Experian. This company needs to be investigated for NO CUSTOMER SERVCICE, inaccurate reporting and calculating a credit score significantly below the US based Credit Reporting Agencies.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX, XXXX, XXXX, TRANSUNION AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS 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 2020-01-26
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a vehicle financed with BMW financial services that was not covered by gap insurance for a small amount of {$3100.00} after a bad auto accident. I understand that a small balance accrued and wasn't covered by gap but this has affected my credit score a lot. I now have a new high interest rate loan with a vehicle and have gotten 10x better at managing my credit. Id like this removed from my history please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX/ {$0.00} / XX/XX/2021

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