BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: Worldwide Processing Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
how ever they are are searching for XXXX XXXX they call all hours of day. They have been told several times there is no XXXX XXXX with my number. I have had the same number for over 10 years. Calls stopped for a short time but have becoming more frequent. When I did talk to someone ( XXXX ) told them my number is on the DO NOT CALL. This out and out a SCAM. These people should be arrested but the Government seems to do nothing. The Government should go after these people and make an example of them, fine them millions and send that money out to all the people they are harassing. Yet they continue cheating people, stealing and get away with it. So the Government is telling them what they are doing is okay. Apparently what ever the Government is doing to stop this kind of activity is so soft that if they did it with on number they just continue to change numbers and continue. Where is the justice in that? I will again file a complaint with the XXXX XXXX XXXX XXXX but this has to stop either the Government has to do it or someone should. 

STEP 5 ; XXXX XXXX DOES NOT HAVE THIS NUMBER XXXX I HAVE HAD THIS CELL PHONE FOR OVER TEN YEARS. I DO NOT KNOW ANY SUCH PERSON THEY ARE LOOKING FOR. THEY HAVE BEEN TOLD SEVERAL TIME NO SUCH PERSON, PERSON XXXX ( THINKING THEY WOULD STOP ) THEY CONTINUE TO HARASS ME DAY AND NIGHT BREAKING COLLECTION LAWS AS WELL BY TIMES CALLED, THREATS, ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: ERC
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: Information belongs to someone else

Complaint:
I sent a debt validation letter to Erc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, its been 40 days since they received my letter & I have not received a response in reguards to my validation request. I want this debt deleted from my credit reports as a final resolution due to noncompliance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 currently have unauthorized inquiries appearing on my credit reports. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, 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 a 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 2017-10-09
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Due to the Hurricane Harvey, I requested from Toyota Financial Services for a extension which they granted me for the months of XXXX and XXXX. I submitted it back via mail and followed up with them by phone on XXXX XXXX due to the overwhelming backup mailing processes in XXXX. I spoke with a rep named XXXX and she assured me that I wont be facing any issues even if they received the documents later than expected and how I would n't need to resubmit them. After receiving numerous collection calls from Toyota after that day, I just went on and still faxed over the paperwork to Toyota which were submitted successfully. 

Now, when I speak with Toyota today XXXX XXXX, supervisor ) they were refusing to assist me in resolving this. They did n't want to pull up the phone call recordings, research my fax correspondence, locate my mailing correspondence, etc. 

It 's horrible how Toyota can be so rude and disrespectful during a time like this for Hurricane Harvey victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX  of  XXXX  I was rushed to the hospital by  XXXX . I am a unemployed  XXXX  veteran who only care it thought the VA and only income is my VA benefits. I worked out a payment plan with the hospital and was paying the City of Washington  XXXX  sporadically when I had extra money. When I had completely paid the hospital bill I contacted the City of Washington  XXXX  in  XXXX  to find out my remaining balance and to work out a payment plan. I was informed at the time that my account was being handled by Data MAX ICC I asked for a printout for my payment history which was faxed to me by Washington  XXXX . I was thanked for my wiliness to pay. My balance was  XXXX . I contacted ICC as instructed my Washington  XXXX . The  XXXX  was very nasty she informed me that I owe over  XXXX  dollars I informed her that I had a Printout for  XXXX  and proof of my current payment that indicated that it was not. After getting the mailing address to forward my payment and the rep updated my contact information She called on a regular bases to harass me and to remind me of the 200+ balance Her tone and abusive bulling lend me to tell her not to call me again and I will deal with the  XXXX  directly I was informed that my state income taxes will be garnished and I believed that ICC have garnished my state taxes for  XXXX  due to the fact I was informed that I will be receiving a lesser amount and will be notice in 10 day the reason.Nevertheless I made phone called back and forth to both the collection co and the  XXXX   in a  effort to work out this problem at that time  XXXX  continue making payments I made two payment of  XXXX  in  XXXX  and  XXXX  of  XXXX  I had a check made out for what would have been my final payment to the collection co for  XXXX   XXXX , however a phone call made to the  XXXX   ( I ha d made a total of  XXXX  call trying to get this resolved ) revealed that they were not getting payment from ICC. The rep for  XXXX  stated that they have also reached out to ICC to help me resolve this issue and felt they were right. Which does n't make sense since ICC worked for them. I was told that I was not the first to complain about ICC. This whole ordeal depressed me to the point I stopped trying until now. I have included some attachment however the bank does n't keep older files

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i wrote XXXX XXXX equifax settlement remove me from settlement because they participated in fraud or were duped. equifax leaked deliberately to blackmail purchase of credit monitoring. 

remove all fraud allerts equifax remove all credit monitoring i cant call equifax because i only got wired phone. no cell phone means im dead to equifax. 

equifax remove all promotional blocks now and forever verifyy all with immediate complete free credit report by usps. 

no electronic communication

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I used XXXX XXXX to apply for this card because XXXX XXXX suggested it and my approval odds were good. And I was denied again for the 5th time. I have a good credit score and all accounts that I have are paid on time and paid and closed early. The excuse that they gave me for denying an account to me was my debt is too high. But it is student loan debt and I am still in school. They approved a XXXX XXXX that I know with more debt than me and a score lower than mine. Im starting to feel as if they are discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I am disputing the XXXX XXXX XXXX on my credit report. 

As of today, Equifax has not removed the XXXX XXXX XXXX from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) rule of XXXX XXXX, 2017, which states, in part, the CRA will remove any Public Record, Judgements, and Liens, that do not have all the required information. 

Therefore, tax liens that do n't have the full Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies database. 

My Notice of XXXX XXXX XXXX dated XX/XX/XXXX from XXXX XXXX, Virginia XXXX XXXX displays a partially redacted Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). 

Based on the NCAP rules that became effective XX/XX/XXXX2017, I am disputing the XXXX XXXX XXXX that is reporting on my credit report and request that it be removed accordingly. 

XXXX and XXXX have immediately deleted the aforesaid XXXX XXXX XXXX but Equifax continues to report the Lien. 

Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Equifax is reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my report belongs to me and is accurate and complete. I have requested from Equifax numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Equifax is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX reported an account from XXXX XXXX on my credit reports that were not mine. I contacted XXXX XXXX on this matter and sent them my drivers license, State ID and Birth Certificate. I asked them to provide any proof that this was my debt. This account was also created prior to my XXXX birthday so I do not understand how this was even established. I contacted XXXX XXXX a few months ago when this first popped up on my credit report and it was removed after I sent in all my identification. Now it reapperaed and is hurting my credit. I also did not receive anything in writing that this was even a debt. the only way I found out was when I ran 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 explanation
Consumer complaint received 2019-10-19
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was approved for a car loan for a XXXX XXXX XXXX in XX/XX/2015 from a financial service named WestLake Financial Services, the address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have already paid over {$29000.00} and still owe over {$17000.00}. I have ask the company to renegotiate the contract but they refused. I know that they are illegally over charging me on my car loan because if I pay off this car loan I would have paid {$46000.00} for a used XXXX XXXX XXXX. Can You Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion and XXXX has me listed as N/A when lenders are trying to verify my identity. When I log into my account with both credit agencies I am unable to see any of my credit information. I have extensive credit history. Transunion admits the problem is on their end and that it would take a week to merge my files. My files are now merged and I am still unable to view any information to dispute. After numerous calls to resolve this issue, I am still left unable to access my credit file and lenders are currently not able to verify my credit history. I have sent XXXX my personal documents to verify my identity as they recommended. To date I am still unable to view my credit profile online and lenders are not able to verify my credit history. I dont know what else to do to regain my credit history. This is affecting my ability to secure housing.

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 2017-01-16
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ME
Product: Payday loan
Issue: Can't contact lender

Complaint:
Received an unsolicited email from " Cash Central '', via " XXXX ''. I did not apply for a Payday Loan, on XX/XX/2017, as the email states. Also, In the body of the email received, It alleges I have " Too Many Direct Deposit Accounts, as well as unable to verify residence. I attempted to contact " Cash Central '', but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Fin. Auto loan. I have contacted Ally concerning payments and the fact that I have this loan paid in advance with next payment due XX/XX/2017. I have given proof using their payment history which clearly shows 59 payments with 2 of the them being dbl payments for a total of 61 payments. They agree but REFUSE to update their records to show proper due date of next payment! I was also assured that no payment was taken solely for principle. This leaves me at a loss and a feeling of being FORCED to pay something I DO NOT owe or risk a bad report on my credit! This is not the first problem I 've had with Ally Fin. and although they give me the impression they are willing to get my account squared a way, they always come up with a excuse and talk in circles. end result is I cant seem to get any where with them. I have never had such problems with a Auto loan ever .I have had Auto loans with XXXX XXXX and XXXX and never had these discrepancies!

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 2017-10-09
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX XXXX XXXX to tell them this wasnt my account they ran my social security number and agreed it was not mine and said that they would take care of it. Its still on my credit report and is also showing up in collections with a company called LVNV FUNDING LLC. I mailed a dispute letter to them and XXXX XXXX XXXX and its still on my report and its obviously not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid the XXXX bill from XXXX and transunion is reporting this debt which is not valid by XXXX. XXXX acknowledged this debt is not valid and is paid off trasnunion has not removed this debt so I have to submit a complaint to remove it permanently

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 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was given a Bank of America card through unemployment and my money was stolen from it. I called the police and filed a report and called the bank the next morning. They supposedly filed a report but kept giving me the run around. I eventually gave up. Years later I want my money back but I don't have the original claim number. I have the police report and my social and everything else but they say a claim wasn't filed when I spoke to number out people about getting my money back. XXXX XXXX the operations analyst is the last person I spoke to. He says he can't help me without that initial claim number and my case will close in a couple days. Please help. I thought banks were federally insured. Thank you.

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 2017-02-16
Company: Credit Systems International, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I intend to dispute this directly with the credit reporting company. They mailed me a collection notice dated XX/XX/2017 that contained the 30-day validation notice ( as required by law ) for a balance that I was unaware was allegedly due from a medical procedure done last year. I immediately picked up the phone and called the medical office for an explanation. It appears to be an insurance issue. I disputed the amount but went ahead and paid the collection agency to prevent the account from being furnished to the bureaus. My next step was to write them a certified letter requesting full validation of the debt ( regardless of it being paid ). I got an alert from XXXX saying that a negative collection item had been reported by Credit Systems International , Inc. on XX/XX/2017, which was still within the 30-day window. I am demanding that this trade line be removed from my credit report immediately. I am in the process of refinancing my home and am being damaged by this. My next course of action is to hire an attorney and to sue them under the provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I had my Florida XXXX unemployment compensation disbursed to the Way2Go Card provided. Each time my benefits were debited to the account they were immediately credited back under a 'Transaction Type ' called 'RETURN UNPINNED DEPOSIT '. 

I have tried to connect Way2Go multiple times and they defer to Florida XXXX. However, Florida XXXX does not answer their phone and their offices have been closed during COVID. I have been trying to resolve these issues from XX/XX/XXXX!!!!! 

I contacted the customer service phone number for Way2Go at XXXX ten times through XX/XX/XXXX- they even charged me {$0.00} for each phone call. There is a record of this on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet has been reporting negatively on my credit report to XXXX, XXXX, and XXXX. I have gotten my lawyers involved in the matter after I was told by nelnet that I needed a subpoena to get them to resolve the required documents but was advised by the attorneys this is not true. 

They have failed and refused to show documentation for me being late and i request the inaccurate negative late payments be deleted off my report backed by FCRA law.

Company response to consumer: Closed with explanation