BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX-XXXX/ follow up On XX/XX/XXXX I received in the mail the original Security contract however this is not validty of the debt this was from XXXX XXXX XXXX whic states effective XX/XX/12. This does not indicate that I owe XXXX or XXXX XXXX XXXX a dime. This alarm system was for one year and I canceled when my house was broken into with this company was monitoring. I have wrote numerous letters and contacted both XXXX   and XXXX to get this matter resolved after all these years being removed from the credit bureau report this company with all types of violations decides to place a debit on my report that I don't owe. I have been very unsuccesful with getting any results with either XXXX, XXXX and XXXX XXXX XXXX. None of these companies have or can provide me with documentation that I owe. I have contact XXXX XXXX as well for assitance and I have spent so much money sending documentation back and fourth with no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report from all there bureaus and noticed a debt collection item that was added but I have had no knowledge of from Convergent. I contacted the company and was talked to very rudely by a rep name XXXX. She threatened to sue me as well if I dont pay the debt but refused to send debt validation and verification. I have asked Convergent to cease and desist, stop contacting me and my employer. They continue to call and harass me about a debt Im unfamiliar with.

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 2023-09-28
Company: Atlanticus Services Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Unethical business practices - I opened an account with XXXX security. Rather than pay for the equipment upfront, I chose to finance with them. I had no choice but to go through Fortiva which financed equipment in that area of Texas. I did not want Fortiva because I had never heard of them. Then, I get a report from the credit bureaus that I had a new account opened. Further, that my credit score dropped over XXXX points. I call and find out that they converted my RETAIL ACCOUNT to a CREDIT CARD. I told them that I DID NOT APPROVE this. I was told they emailed me a notice that I had to " opt-out '' if I didn't want to convert. I NEVER received it. Further, I confirmed that they had the wrong email address. The account was setup with XXXX. XXXX had the correct email and had the correct email since I opened the account. So, someone with Fortiva keyed it in incorrectly. Therefore, I never received this notice to " opt-out ''. I asked them to convert my account back and remove that new account inquiry from the credit bureau, they refused. It is unethical to send an email like that. The appropriate thing to do would be to require an " OPT IN ''. They want to email you so they can have it go to spam and you miss it. They should have mailed a letter or called as well, NOT EMAIL! 
They have added their awful credit card to my credit history, and it has created a MAJOR PROBLEM WITH MY CREDIT AND CURRENT BANK. They still refuse to admit their business practices are deceptive and unethical. This is a second-rate, basement, bottom of the barrel firm, deceptive business practices, and they do NOT care about customers. In addition, I also issued them a cease-and-desist letter to stop all the harassing phone calls about the collection of payment now on this now credit card, that I never asked for. They have violated this request multiple times even after confirming receipt of the letter. they continue to call me every day and leave voicemails with an intent to harass me. This is a clear violation of FDCPA Regulations. Please assist with having this credit card reporting converted back and removed from my credit report. I would also like the FDCPA violation addressed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
The addresses I disputed. I never lived at these addresses. The addresses were private mail box addresses, they are showing them as apartments they are not. One of the addresses is listed in a city that does not even have such an address.

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 2020-06-10
Company: Experian Information Solutions Inc.
State: AZ
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  is willfully reporting to the credit bureaus 30 day late for XX/XX/2019 and XX/XX/2019. XXXX  is in breach of an extension contract signed in XX/XX/2019 and damaged my credit rating unfairly. 

On XX/XX/XXXX of 2019 I entered into contractual agreement with XXXX to extend all past due payments for 2 months from the date of XX/XX/2019 forward. 

The XXXX manager I spoke with named XXXX confirmed that this contract would bring my account current. All delinquencies within the specified date of signing the agreement would be updated to current at the credit bureaus. 

For 6 months XXXX has reported inaccurate information with total disregard for the contract it signed. Please be advised the CFPB record will show this issue was recently brought to the attention of XXXX. 

Ally representative XXXX displayed gross and voluntary disregard for the CURRENT issue by simply uploading documentation from a previous incident to characterize the matter as an older resolved issue.

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 2023-06-02
Company: PNC Bank N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, PNC bank asked me to open their rewards Visa credit card. They told me if I open account and spend XXXX $ in the first three months ( which I did ) I will receive XXXX $ bonus. 
After I opened account with them and spend XXXX $ - the bonus they advertised was withhold, and after I called and reminded them - they decided to close the account instead of paying the opening account bonus under some " Unacceptable activity on other PNC account '' .When I asked what activity I did that considered unacceptable to PNC bank - they refused to answer. I am US citizen, have legal US job and never was or have performed any illegal activities. They have mistaken me for someone else most likely. 
Not only the didn't pay the bonus, they also stole XXXX $ in rewards on the account. Fortieth as it says. Any effort to dispute the decision with customer service resulted in the same answer - because PNC bank closed the account the XXXX $ is forfeited and would not be paid to me. Please help me to get my promised money back and stop them on this scam/fraud with advertising bonuses and not paying it to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Flagstar Bank , FSB through its agents, XXXX XXXX, Senior Loan Officer, e-mail : XXXX, and XXXX XXXX, Senior Loan Processor, e-mail : XXXX, is a predatory mortgage lender and prey on the naive and uninformed. Mr. XXXX and Ms. XXXX are taking advantage of people. The lender is using high-pressure tactics and urging me to sign on a refinance loan by the changing the terms and consumer disclosures at the last minutes. 


XXXX XXXX and XXXX XXXX tried to hoodwink me. On XX/XX/2020 I agreed to closing costs with no prepaid property taxes. The taxes have been paid in full. But on XX/XX/2020 Flagstar sent me a new consumer disclosure ( CD ) with new prepaid costs, which included property taxes, thereby ballooning the refinance loan amount by thousands of dollars, which would have compounded the interest over 15 years to my detriment. 

Please help me put these crooks out of business and report them as predatory lenders to the Federal Trade Commission.

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 2022-05-14
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This in follow up to complaint XXXX. ( I don't see an option for supplementing existing complaints so I have created this new complaint. ) I requested information from XXXX on my XXXX Parent Plus loans. EdFinancial has, to date, refused to comply yet I am responsible for payments on these loans. EdFinancial refuses to share relevant and important information on my loans. Please help me with these predatory and lending actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

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 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Complaint Regarding Unrecognized Hard Inquiries and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized hard inquiries. Additionally, I have reason to believe that these inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized hard inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : 1.XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX  XXXX XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities . However, it is alarming to find these unauthorized hard inquiries on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized hard inquiries. I urge you to consider the impact of these inquiries on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2018-03-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was an Conventional Loan and it seems it is in an Equity Trust XXXX with XXXX XXXX. I have never had an Equity Loan on my property please explain why it is in a Equity trust in 2006. 

See below Home Equity Mortgage Loan Asset-Backed Trust Series XXXX XXXX, Home Equity Mortgage Loan Asset-Backed Certificates Series XXXX  XXXX. Their mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and telephone number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a new york state tax lien that I have been battling with Transunion and XXXX to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for XXXX and Transunion to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and NYS wants it to be deleted after satisfaction, please compel these Bureau to delete the record. <P/><P/>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 2023-06-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX RE : Accounts XXXXXXXX XXXX  XXXX # XXXX XXXX Closed ) XXXX XXXXXXXX XXXX XXXX  # XXXX ( Closed ) XXXX XXXX XXXX # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed XXXX XXXXXXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection ) XXXX XXXX XXXX # XXXX ( Debt Buyer ) XXXX XXXX XXXX XXXX XXXX ( Debt Buyer XXXX XXXX & XXXX # XXXX ( Collection ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
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