BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Merchants and medical are trying to collect a student debt from a local college from me the debt is less then XXXX dollars they call multiple times a day including the weekends i have spoken to them several time to explain that i do not have the money at the moment but fully intened to pay back the debt to the college directly. I habe spoken to the college about this Today they call me and I am once again explaining this very politely and then begin to question me about my employer. I tell them I am not comfortable giving out that information to which the debt collector replies that they will find out and do what they have to do on my end. I will not be able to pay a debt if i get fired after they start harassing my employer. I need help to stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid Harris & Harris {$990.00} from our HRA account and paid {$440.00} from my personal credit card on XX/XX/XXXX - that was the balance due in full. They have continued to call my husband and request {$990.00} - sometimes calling multiple times in one day. 

I returned all of their calls early on, after confirming with the HRA administrator that the amount was processed and " settled '' on the card as of XX/XX/XXXX. A rep named XXXX advised me to email supporting documentation of the payment, which I did. When I called back several times trying to confirm receipt, XXXX and other various reps would give me a different email address to send the documentation to or told me the documentation was not in the right format. I complied with each of their suggestions- sending in every piece of proof I have. I have attached the email thread and the supporting docs that were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The website that I paid through shows both of the payments as " processed '' on XX/XX/XXXX and XX/XX/XXXX in the transaction history ( also attached ), but they have continued making sporadic calls ( sometimes multiple times in one day ). 

On XX/XX/XXXX we received a written " tax season settlement offer '' dated XX/XX/XXXX to settle the {$990.00} for a lesser amount. That led me to research third-party methods of resolution and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is in response to the CFPB your company provided to me and the lack of validation pursuant 15 USC 1692g I received in my mail.

To whom may concern I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the XXXX XXXX XXXX XXXX, file a police report due to Identity theft by your company and File a complaint with the Better Business Bureau. 

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) ) you proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident.

You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ).

I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. 
Please be advised the demands in the cease and desist were not met. 
Attached with this complaint an affidavit of truth, Exhibit B marking each violation from your company, and all previous attachments sent to your company. 
I will create an invoice in the future for damages of up to {$1000.00} per violation in case you default again with my remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CBC Companies, Inc.
State: TX
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:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. 
This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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 just recently examined my credit report and have noticed some inaccurate accounts that are being reported on my credit report. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no knowledge of who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of gaining new credit. I am pleading for a reinvestigation into this matter and to have these derogatory accounts removed from my credit file.

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 2022-03-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was alerted that a frivolous collection agency PROCOLLECT INC. placed an account for collection on all credit bureaus for the amount of {$300.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX PROCOLLECT INC wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 


XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MIDLAND MANAGEMENT has failed to respond to my letters..I have requested verification of this account such as contract, payment history, etc it's my belief that this account was paid off prior to collections ... .. if this is in fact my account... XXXX I was diagnosed with stage XXXX XXXX, recurrence in XXXX now stage XXXX moved to XXXX if my recollection serves me correctly this account would've been paid off due to the uncertainty of things and me not wanting to leave any unpaid debt for my daughters... this collection has caused me so much anxiety, grief, time and embarrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a XXXX vehicle in XXXX and was overcharged for the sale and price and forced to pay GAP AND Service Contract. In addition, my vehicle was fraudulently repossessed and the vehicle was auctioned off and I have repurchased it, at a higher price that I agreed to pay off the vehicle, before Wells Fargo sent a tow company to steal the vehicle back, without any paperwork. The vehicle was stolen from my home, without any warning or contact from Wells Fargo.

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 2020-03-26
Company: EQUIFAX, 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:
XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive XXXX, equifax, XXXX continue to report neg. items not belonging to me. have contacted crediter. no response. XXXX   stated they will not dispute said items again. XXXX states by law they do not have to dispute over 1 time. XXXX, equifax have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. 2017 equifax breech. info provided to me that my info was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
XXXX/XXXX  is reporting as a closed account on my report. This account was sold to XXXX XXXX which gives XXXX/XXXX  no merit to still be reporting. This has cause me to be unable to obtain new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Phone call from XXXX ( XXXX ) XXXX saying that an amount was taken from my account, and the number tried to get me to make a XXXX account. Was posing as Huntington Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX and his active military daughter completed a modification request with Well Fargo in XXXX of XXXX giving their full and complete SSN 's. 
XXXX believed his home was lost to a foreclosure that was completed in XX/XX/XXXX. 
XXXX believed he was being allowed to " re-purchase '' the property in early XXXX, giving no party any SSN 's and having no credit report run. 
A hard money loan was acquired through XXXX XXXX XXXX ( owners moved to FL and now reside there ) for what XXXX believed was a " purchase '' loan to re-purchase hi foreclosed upon property. 
What actually happened was : Wells Fargo, XXXX XXXX of XXXX XXXX, and XXXX XXXX XXXX ( attorney ) : Coerced XXXX XXXX into signing ( what was identified to him as ) a " purchase '' transaction ( after his XXXX foreclosure was completed in XX/XX/XXXX ) that was later identified as a non-owner occupied transaction making XXXX believe this transaction was completed with his name and SSN. It was discovered upon the submission of the non-military affidavit in relation to a foreclosure filed against XXXX XXXX  property, the account was actually in a created identity with XXXX name and his daughter 's XXXX. 
The the " purchase '' was later identified in bankruptcy filings by who XXXX believed to be the " XXXX '' as a non-owner occupied transaction, and a transaction that sent monies to the " foreclosing lender '' ( Wells Fargo )

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Kindly request the three major credit bureaus to cease reporting the following account information to my credit profile, in accordance with my rights and relevant laws. I am also seeking to understand the legal protections available to Americans in relation to debt collectors and reporting agencies. Below are the account details : Creditor : XXXX XXXX ( XXXX ) Amount : {$1400.00} ( Negative ) Round : XXXX Sent Account Information : Account Number : XXXX Status : Closed Credit Limit : {$0.00} High Balance : {$1500.00} Payment Amount : {$0.00} Last Payment : Not Available Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Charge-off Past Due : {$750.00} Worst Rating : Not Available Remarks : Charged off as bad debt Canceled by credit grantor In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I am interested in understanding the legal provisions that safeguard Americans from the actions of debt collectors and reporting agencies. Your assistance in this matter is greatly appreciated. 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: PNC Bank N.A.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1604 section 2 states a consumer can not report an account without my approval. 15 USC 1666B a credit agency can not report my account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Every major bank ( XXXX XXXX, XXXX  XXXX XXXX, XXXX 's, XXXX, XXXX ) that issues credit cards has four ( 4 ) options for paying a statement balance except Capital One which only has three ( 3 ).

1. Minimum payment due 2. Statement balance paid in full 3. Remaining statement balance which reflects any credits received to offset the statement balance 4. Current balance Capital One willfully chooses not to offer cardholders the option of paying the Remaining Statement Balance ( option 3 ) because they would lose out on billions of dollars in interest-free money paid to them weeks early that is not due to them until the next statement due date. 

I understand their policy is likely legal or their vast compliance department would not authorize it but it is grossly unethical and the laws must be changed to prohibit credit card companies from not offering a Remaining Statement Balance payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MOHELA is unable to answer phone calls or messages through their message center. I believe they may have broken a law regarding reinstatement of a law without my signature. I have asked several times if they got a judge to sign off on the reinstatement. Over the phone I was told that the law does not apply to student loans. 

I have reached out several times via messages and have gotten no response. Currently, I have two loans with MOHELA one is my true current loan and the other is leftover money that was generated and reinstated by their mistakes. 

Following a previous complaint we had agreed to backdate any payments I made on the first loan so that it would waive all interest. We have had some snags with that arrangement. First, it took over a month to iron out any details. Then, there was an issue with changing the date on it and it would charge me late fees and weird things. Lastly, a condition of this plan is that I have to call to have any payments backdated. I am allowed to call about several payments at a time, but my issue is that I do not trust the company to honor this forever. 

Their lack of responsiveness and my previous experience calling them, lead me to believe that if the 1 person at the company who was able to help me leaves I'll be back to square XXXX. For this reason, I no longer want to be held responsible for loan that their mistake generated. I feel like this company is incompetent and will not be able to provide adequate loan services to me in the future. I am fully willing to repay the full amount of my true current loan, as of XX/XX/23 {$20000.00}. 

Please help me deal with the situation. MOHELA is entirely unhelpful, and I need representation. If the CFPB is not able to provide me with this kind of support please tell me who would be able to provide it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation