BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian Credit Bureau has allowed the " creditor '' XXXX XXXX XXXX to continue to reporting negatively on my credit report even after I have disputed this account several times. Both parties have failed to provide me adequate information to validate or verify this account. So I want it deleted from my report immediately. I have done my very best to keep my credit in good standing and this negative information does not help my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is my another endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/2021 XXXX XXXX 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 2016-08-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XX/XX/XXXX I filed a complaint not to pay a fraudulent charge on my macy 's amex. card. This is XX/XX/XXXX and it still has not been resolved. Called customer service and was told they would investigate and give me answer. Nothing happened until I called back on XX/XX/XXXX. Spent 2.5 hours on phone with customer svce. rep. and supervisor. Was told the charges will be waived and they will remove all finance and interest charges to bring me to a XXXX ' balance. Received my statement and all charges were still on my bill. I called customer svce. again and was told that they had 'no record ' of my last call. I spent another 2 hours on the phone and was told that they will again investigate the issue for me. Again, absolutely nothing happened. This is now XX/XX/XXXX and have another problem from this. I received my credit score rating and it was dropped XXXX points from macy 's notifying them that my account was delinquent. 
I was told that the charges were removed and then told macys has no record of this call and it now is hurting my credit rating and I just do n't know what to do anymore. 
They are giving me outright lies and misinformation and I need help. 
Thank you. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, N.Y. XXXX s.s. # XXXX Macys amex. credit card # 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 monetary relief
Consumer complaint received 2016-01-19
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recorded message caller stating " This is a call from the law offices of Maury Cobb regarding a debt collection. Please call XXXX ''. When I call this number, there is a recording stating " the associate at XXXX is unavailable ''. Caller ID shows XXXX I do not have any outstanding debts to anyone and my credit is perfect and has always been perfect. It is a scam trying to make me think that I have a debt owed to someone. I have never been able to speak to a person at the phone number above. It 's only a recording each time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CORELOGIC INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, XXXX XXXX. ) is ( inaccurate ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF XX/XX/2011 ). I am requesting that the item be deleted ( or request another rapid score ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # 2, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible. Also the collection agency are still reporting payments late since 2011 until now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Cedars Business Services, LLC
State: TN
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 have requesting validation of debt owed regarding the {$5100.00} XXXX balance and Agency Fee {$1600.00} totaling {$6700.00}. 

{$1600.00} Agency fee can be considered as a unfair practice. 
The extra fees are not permitted I requested Cedar Financial send the original credit agreement where it states that {$5100.00} can be increased to {$6700.00} due to agency fee. 

I asked for payment options of 12 months or more. The agency would not allow more than 12 months or but promoted a XXXX lump sum payment. 

Cedar financial Ph : ( XXXX ) XXXX XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.cedarfinancial.com XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: American First Finance, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The loan was at 148 % for 17 month auto bank payments. at the end of the loan, the american first finance co. began draining my bank account at {$130.00} a day. after several daily thefts, I had XXXX  XXXX XXXX reverse the illegal withdraws. at which point American first finance turned the account of stolen money over to the XXXX XXXX  XXXX to get back the stolen money and report it to credit services if I do not Pay what they stole!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-25
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A company called servi solutions contacted me via mail and claimed my loan had been transferred to them. I then received a bill from my original lender and this new lender raising my concern. I called both companies. My original lender had no record of it being sold and warned me not to send anyone else money unless I received a letter from my current company stating they transferred my loan. I called servi solutions and a woman told me dates it was bought and transferred and seemingly sounded very trustworthy. I called my dad for advice, he said it could be a scam, and looked up servi solutions on bbb and they had an F rating. I decided not to servi solutions money because it seems like a scam. I 'm worried they will start harassing me for payments and something bad could happen. The next payment is due in XXXX 2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
High Desert Creditors is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. The account is a medical bill for my daughter that I dealt with the medical provider many years ago. It is from 2007. I contacted High Desert Creditors and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false and misleading to anybody who may be considering lending me money. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX, and FDCPA Section 806.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Capio Partners, LLC
State: TN
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 recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX is reporting a collection account for a medical bill that was in dispute with original creditor and they were made aware that it was in dispute. I was injured in a car accident and the other party was responsible. I have an attorney and my attorney notified them that there were legal proceedings pending and they were to wait for instructions before proceeding. They ignored our dispute and reported this as a collection. I was in the accident XX/XX/XXXX and they are reporting it as being XX/XX/XXXX so they are also re-aging the account and providing incorrect, misleading and deceptive information to the credit bureaus despite our repeated communication to them that we are in dispute with the original creditor and that we did not agree with their validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Other fee

Complaint:
Hello ; I spoke with representative with Wells Fargo bank. 
Complained about being charged a late fee, when had made all payments on time. 
Lady said she would pull up my account, then came back, said she could fixe the problem & as long as made on time, there would be no more additional charges. Said she would remove the additional charges, said that it would show up on my next statement. 
None of those things happened!! 
Additional charges still there, charged me with more charges because they said I did n't pay the additional charges. 
Complained several time & nothing happens!! 
Cant believe anything they say!!

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 2020-12-14
Company: BlueChip Financial
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is some sort of fake debt collector law firm that has called family members, harassers me, claims I will go to jail. Uses abusive language on the phone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: North Shore Agency, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I received a letter of demand from NSA also known as North Shore Agency regarding case number XXXX which is another collection agency that XXXX XXXX has chosen to send my name too and as of today 's date they have never responded regarding my initial complaint where they were to credit me the amount of {$3500.00} on my bill due to the errors that they made as well as false misrepresentation to the consumer. Today is XXXX XXXX, 2015. I have still not heard from them and instead of them fixing the debt showing the correct amount they have decided to throw my name to different collection agencies in order to ruin my credit. I have requested on numerous calls, and tried on many occasions for this account to be closed this company refused and would continue to bill me after I tried to close the account only to be told we can not do this today its a billing cycle or hang up the phone on me. When XXXX was not doing that and I got an agent the agent would keep me on hold for more than two hours trying to get assistance and by that time would come back on the phone and disconnect the call in order not to be the XXXX to disconnect a large account that had smart phones with more than XXXX lines at the time. Every time I requested my credit I would be told its not on this bill it will be on the next cycle. I was quoted a price that never was what my bill was and they continued to put even more fees that they never advised they were going to put on and it took months to get the line disconnected because XXXX deliberately kept billing me for lines in order to make profit from a consumer that advised them that they wanted the credits they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Cedars Business Services, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2012, I rented a car in XXXX and drove around for a week. Four months later, I received a notice of an infraction for " entering a limited traffic area without authorization, '' in a small town. Having heard this is a common scam of tourists -- for small towns to make these baseless charges -- I informed XXXX that I would like some proof. 

The next contact I had was from Cedar Financial, attempting to collect the debt. I similarly asked them for proof and was only given a photograph of the license plate of the vehicle I was driving. This was not proof of anything other than the fact that XXXX can take a photograph. 

I told Cedar Financial to stop harrassing me, and I filed a complaint with CFPB at least a year or two ago. I thought the matter was over. Well, about a month ago I was contacted by Cedar Financial again, attempting to collect this debt. I informed them that no proof had ever been shared with me and that any further attempts to collect this debt would be considered harrassment and I would report them. 

Today, I received the same photograph from Cedar Financial as before -- a very clear photograph of a license plate ... no time-stamp, no location coordinates, no proof at all that I was in a limited traffic area outside of the legal time. Therefore, I am reporting them again for harassing me by trying to collect a debt they themselves can not prove. In essence, Cedar Financial is becoming a bully and tool for a small XXXX municipality that is scamming tourists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Bull City Financial Solutions, Inc
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt is and has always been my former spouses debt. It originated in XX/XX/XXXX, even by proof of the info that was sent to me by the debt collection agency. My former spouse even made a payment to the originating debtor in XX/XX/XXXX. My name is no where on the debt and is not connected to it at all. The insurance that was used was connected to my former spouses military benefits not mine. I have provided all of my spouses information to include his XXXX which shows his date of discharge from the military, XX/XX/XXXX as well as a copy of our divorce decree that states that all debts that were his prior to XX/XX/XXXX are and remain his solely. This debt continues to be reported on my credit report and has been since XX/XX/XXXX. It was removed however it still showed it as an account in collections under my name and is a derogatory mark on my credit. This needs to be removed as an account that was NEVER my account and done so across the board to ALL reporting agencies as an account that was not mine, belonged to my former spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date opened : XX/XX/22 Balance : {$280.00}

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 2016-05-13
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian has information from XXXX on account # XXXX that because of there misinformation has affected my credit score. On 2015 my phone was damaged. So, I changed companies than in les than 48 hours was back with XXXX always keeping the same number. On the day that my bill was closed to be due, I made a called to verify my outstanding balance ; As when i went back to XXXX was under a new account number but same cell number. I was told on a recorded line by the representative that if any balance is due will be in the same number. I made that call as I was unable to view my ebill, I was unable to get into my email as i lost the passwords.Had all passwords automatic, there are some calls to that to company that will back up this information also on a recorded line, Never received a letter or a text like they do or a call for the amount due even though the number was never changed. The phone never got disconnected, All calls are recorded so I wish this matter could be investigated because is not right i haver never missed a payment with this company, All calls are recorded concerning this cell number on both accounts as its stated at the begining of the call.

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 2016-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called equifax to get the removal of all the credit inquiries on my credit report because they were tooken off but put back on and the representative that I spoke to said there was nothing that she could do when I know she could especially in this circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been Chase Visa card holder since XXXX. I have not used the card since XXXX XXXX. I was notified in XXXX of XXXX that the credit card account will be closed for non-use. I contacted Chase and spoke to XXXX people, XXXX being a supervisor. I was told that my file was reviewed in XXXX and XXXX of XXXX, before the decision to close the account was made. I indicated that I was never contacted about my file being reviewed and had I been made aware of this, I would have begun using my credit card regularly. The initial agent I spoke to stated that typically card holders are notified when their account is being reviewed. However, when I asked for proof ( copies of correspondence ), none could be found and the only subsequent correspondence I received, referenced the initial letter sent in XXXX. The most disturbing part of this whole experience, is that I was informed that if I wanted a Chase Visa card, I could apply for a new XXXX after the existing card was closed. This card is in my name alone and not connected to my spouse in anyway. It 's an important part of my credit rating, since I 've had it since XXXX and it has a high credit limit. I understand that Chase has a right to cancel my account. What I object to is the manner in which they did it. They never notified me or gave me an opportunity to correct the situation. Something you 'd expect, if you were a card holder for 38 years. Further, their suggestions of applying for a new credit card with them, smacks of bad business and dishonesty. A hard lesson learned, but hopefully someone else will benefit from my experience. Be careful who you choose to do business with. A bigger named bank or financial institution does not necessarily equate to better service or loyalty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I began a cash out refinance loan for multiple properties that are investment properties in XXXX XXXX. It is now XXXX XXXX XXXX and every week JP Morgan and Chase tell me " a few more days '' or asks for information that I have already provided.

Company response to consumer: Closed with explanation