BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, I have reach-out Portfolio Recovery since XXXX. I have sent letters asking to show a contract with them with my wet-ink signature. They refuse to acknowledge. I recently sent an affidavit of notice dispute the debt received on XX/XX/XXXX. Tracking number is XXXX. They did not answer. An Non-respond affidavit in commerce is accept the complaint as true. Receipt of this AFFIDAVIT OF TRUTH & FACT requires a response as stipulated above, acquiescence will be your answer to all below statements if respondents fail or refuse to provide a written response in the form of a rebuttal Affidavit. Acquiescence means A persons tacit or passive acceptance ; implied consent to an act. Review Morris vs. NCR, 44 SW2d 433 which states : An Affidavit if not contested in a timely manner is considered undisputed facts as a matter of law. Also, review U.S. vs. Pruden, 424 F.2d 1021 ( 1970 ) which states : Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. Portfolio Recovery did not rebuttal any point-to-point answer with their own affidavit. I also filed a postmaster criminal complaint under title code 18 U.S.C ss 1342 fictitious name and address and title 18 U.S.C. ss 1341 Fraud and swindling. Portfolio Recovery only sent a general letter that does not address any of my complaints or any proof of a sign contract. Under the Law, there must be a signed contract for them to collect a debt. WHERE IS THE CONTRACT SIGNED BY ME. SHOW ME THE PROOF? I finally filed a U.C.C. 1 financial statement with the ILLINOIS SECRETARY OF STATE placing a lien on my estate claim the name. I also filed with the ILLINOIS SECRETARY OF STATE COMMON LAW TRADEMARK AND COPY RIGHT NOTICE. The Illinois has accepted the filing and the lien number is XXXX and XXXX. Portfolio Recovery will have to a do a XXXX XXXX search to get confirmation. ILL and certified the lien on XXXX time XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: WA
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:
Dear Credit Bureau I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: IL
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: ALLY FINANCIAL INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage with Ally Bank and were approved to close on XX/XX/2018. 

A problem came up last minute where the city refused permission to repair the existing septic and required a city sewer hookup instead. The city was not able to provide dates where this could take place. 

1 ) Ally refused to close without the work being complete. Other lenders will proceed with a hold back of funds for the work. 
2 ) Ally refused to allow a new rate when the lock expired, instead instituted a {$340.00} fee every 5 days rate extension fee until the work was done. This is the equivalent of a blank check, which is not workable. 
3 ) Ally refused to release our appraisal which WE paid for up front so that we could use it for a mortgage company that was willing to close with a funding hold back. 

Ally gave us no options except an open ended and rapidly escalating fee. I feel our appraisal is being withheld out of spite as other financial institutions will transfer appraisals. The situation was not our doing, yet Ally gave us no option but to pay them thousands of dollars in extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Diverse Funding Associates LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have started receiving all these attorney letters stating a company named DNF associates filed a lawsuit against me for an unknown debt of XXXX no name or what the debt is ... I havent received documentation nothing about this debt I dont even know what this alleged debt is for??? They have not attempted to contact me or anything Im disputing this ... .I can not have a judgement on my credit report for a debt I dont owe or know ... COURT!?? Are you serious garnishment who are these people court case is XXXX ... .I dont want a judgement for some allegedly as little as XXXX ... .i work hard to maintain the decent FICO score I do have ... AGAIN I am disputing this debt

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 2018-09-19
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my Equifax/XXXX credit report. I called the original creditor to validate the claim and I sent a letter to Equifax/XXXX. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from Equifax/XXXX saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or Equifax/XXXX verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
To CFPB bureau. 
My name is XXXX XXXX Address : XXXX Phone number ( XXXX ) XXXX As a Victim of the untrustworthy crytpo currency trading service of COINBASE Website https : //www.coinbase.com Mailing Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Ive been using the Coinbase app to start doing some business regarding to crypto currency trading. 

At first the holding fund status of my account is 18 days ( too long??? Fraud??? ) instead of 5-7 days like what written is terms and conditions on their website. 
And I am not the only one ... .... 
Lately I found out there were targeting specificly US customers Search on google I found out there was thousands thousands of complaining about COINBASE BEING ROUGE, empty customers banks with hidden fees charge, using incorrect exchange rates, holding fund for 1-3 months to stealing our hard work money, causing frustration and return our emails with the same methods were working on it please be patient. 
To me its like were stealing your money in front of your nose, so what! 
I have {$490.00} crytos in my account with coinbase. 
Later on I did the calculations with all of my transaction and found out I lost merely {$60.00}! Which is impossible 1/Every {$100.00} trading into XXXX XXXX I lost {$27.00} not {$3.00} like they said I did at least 32 transactions from $ XXXX {$3000.00} each Time the amount Never match EVEN I INCLUDED THE TAX and THEIR SERVICE FEES. 
the difference around 7-17 % consider how much they scam from people. 
1/ holding for 18 days, they said to prevent fraud, however they took the money from my bank a second they received the order. 
And release them whenever they like? 
18 days for me, some folks got 2 months This is an act of criminal, agains customer free will Acting like a big guy with the cryto fakes Please, take a look of my complain letter, do the investigation, return justice to the US citizens. 
LET MAKE SURE COINBASE IS PURNISH. Their company deserve jails, and I know they rich enough to pay for every fees. 
Lets game on Best regard

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a Discover credit card account in 2009, and have been getting charged every month for payment protection without my consent. I called, and also noticed that there have been lawsuits with Discover card over this very thing. Discover said it will only reimburse me for the past 6 months and not a penny more. They have illegally taken thousands of dollars from me since 2009. Looking at forums, it appears that others have been reimbursed their full amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: WELLS FARGO & COMPANY
State: UT
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:
I still have not been able to fix inaccurate information on my credit report. XXXX removed 15 years of credit history. I have a Wells Fargo credit card and I had perfect credit history with that card. I made all my payments on time. XXXX removed that credit history from my report and it is hurting my credit. I tried to resolve the issue by calling XXXX. XXXX will not take my calls anymore. Every time I try to call, I am told that they will not accept my call. I can not even contact XXXX anymore. How do resolve the issue if they won't even talk to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: La Casa Bonita Investments
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Original complaint number : XXXX On XX/XX/2015, I contacted the number that was played on the radio regarding paying back Federal student loans that were income driven. I called the number and got set up. I was connected with an XXXX how gave me his direct number ( XXXX ) for further questions after I completed the documents. I paid the {$590.00} as suggested and a monthly service fee of {$39.00} for the duration until the amount was paid off. When I originally filed my complaint, I did not send those documents, because I could not find them. I was under the impression during the phone call that all monies would be going toward my loan and that large amount was to get it started. Later, I found it was a fee to pay to the 1File.org for setting me up to have my loans paid with lower payments. I also found that it was not legal to do so. 

Therefore, I am submitting the documents, once again, for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I do have mortgage with Caliber Home Loans for almost 2 years now. My current interest rate is XXXX XXXX. I was on covid 19 forebearance programme with Caliber home loans until XX/XX/2020 and Iam current on my payments, I requested caliber home loans to remove me from from the covid 19 forebearance programme accordingly they removed me in XX/XX/2020, but my report shows me that Iam still in the forebearance plan, I contacted Caliber Home Loans several times to report to the credit buereaus about my current status. Now Iam trying to refinance my house at lower interest rate but becuase my credit shows that Iam still on covid19 forebearance programme I can not refinance my house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CNG FINANCIAL CORPORATION
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a payday loan from Check N Go in XXXX  Utah on XXXX XXXX the XXXX who helped me gave me the long and I told her I would be in as soon as I got my paycheck sometimes the Friday before the Monday and I would be into paid off in full so I showed up about two hours before close and there was a note on the door that said come back at the bank or something like that so I'm standing there waiting for and here she comes out of the back and she's she's fixing her talk and I'm starting to her parents as dependents to the door and then tells me let 's me in and says that she won't accept my money even though I had that has a note in the dime in my hand I explained to identify to take it home and go to sleep it will probably disappear because I have hands in my residence even while I'm home and she wouldn't let me pay for it and this was clear back it's been a couple few years I got a letter from Mrs and I've been receiving up a lot demanding have the payment. This thief steals food right off of my meal dish leaving me one bite.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My mom had her XXXX money stolen. Thursday, XX/XX/2021 {$900.00} was wayhdrawn without authorization, leaving {$14.00} dollars. 

We put a complaint with Bank of America on XXXX, they said they would mail something, but have not reviewed follow up. 

We made a police report In out city of XXXX, but they did not want to file because they state the fraud was made out of town. 

We filed a complaint of unauthorized withdrawal of {$900.00}. XXXX then froze / suspended account. To call XXXX @ XXXX XXXX XXXX to talk to level 2 supervisor. 

We have been calling to talk to XXXX further, but calla keep ringing. 

We received a new XXXX card, but the XXXX claim has been suspended due to the fraud complaint we placed and we are unable to see details of our XXXX account. 

Our {$900.00} was stolen within a day, please help. Thank you God bless

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 2018-09-19
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am tired of XXXX trying to collect on a debt I Do Not owe. XXXX had sent an account to a debt buyer under the name XXXX  XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation and they Did Not validate the debt as mine nor did they supply me with the original contract with my name on it. They merely sent to me a bill print out. XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector after its removed from my credit reports. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX and have included it in 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 2019-02-19
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX and 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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/2020 : I sent letter to the XXXX, XXXX  and Transunion asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Early Warning Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, My name is XXXX XXXX, there is a creditor on my EarlyWarningSolutions report that is reporting me for an account that claims to be a charge off and I never signed or had any connection with this debt collector. The confirmation number is XXXX, this account also states I am responsible for a reversal fee of {$370.00} which I was never informed of, this account also lists a phone number which has ever been registered to me as XXXX which is an error. I believe the right thing to do because this account is reported in error that it should not continue to stay on my credit reports anywhere as well as Early Warning Solutions and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.

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 2023-07-24
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}.

Company response to consumer: Closed with non-monetary relief