BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: ProCollect, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint for the debt collector company- ProCollect.

I had resided in an apartment for 1 year and was charged a XXXX cleaning fee after moving out. The apartment complex, XXXX XXXX  XXXX, located in XXXX, Arizona did not send me written correspondence outlining the fee that was owed. In the move out notice it explained that the fees would be processed and mailed to the forwarding address on file once I moved out. I was waiting for this to be mailed to either myself or my mom as she was the cosigner. Since we received no correspondence in the mail, I expected no further charges were due. 

In XXXX I received two automated voicemails claiming to be a debt collection agency and that it was an attempt to collect debt. Two more voicemails were left in XXXX. I have been waiting for mail correspondence from the debt collectors as they must contact me in writing within five days of contacting me. 

Recently I was going though my voicemails and decided to give the number a call back. They had barely any account information only that it was from XXXX XXXX  XXXX and it was in my name. They were unable to accept payment and told me I had to email someone to obtain further information. They told me that in order to find out more information Mr. XXXX at ProCollect needed to take the restriction off the account. 

ProCollect -- the debt agency -- has not contacted me in writing nor is willing to cooperate over the phone regarding money owed. 

I ask for this company to prove that I owe money -- in writing -- and provide a secure means for me to pay the balance. I want it to be sent to both my mother and I as my mother was a cosigner on my account and should have been notified as well.

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 2020-12-04
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed debt withXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PENN CREDIT CORPORATION Original creditor : XXXX XXXX XXXX XXXX  for {$820.00} on two previous occassin XX/XX/XXXX and XX/XX/XXXX. Both attempted they have informed me that they were able to verify that the debt was acutally mind. I was a victim of idenity theft. I have asked them on two occassins to send documentation proving the debt on my credit report is mine. I still have no recieved any documentation as of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
I sent an validation of debt letters on XX/XX/2021 to credit acceptance they have yet to send me anything validating the alleged 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 2020-04-29
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. 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. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 120 days late payments on my credit report. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I also tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 
XXXX-Balance $ XXXXDate Opened : XXXXHigh Credit : {$4000.00} XXXX-Balance $ XXXX Opened : XXXXHigh Credit : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFPB CASE NUMBER XXXX WFHM sent response to case and provided contact person name and number her voice mail states will call back within 24 hrs I've now left two messages for her and she refuses to respond XX/XX/XXXX and XX/XX/XXXX, voice mails left for her including the cfpb case number please help in simply getting the assigned contact person to respond here is here info listed from WFHM contact response letter they sent me XXXX XXXX XXXX ext XXXX 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 2022-02-02
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 my Bitcoin and Etherum investment were stolen form Coinbase a. My username and password were compromised. 
I am writing to you because Coinbase had a major security breach that they refuse to acknowledge. They let a hacker access my account from Wisconsin, totally different IP address. They failed to authenticate his identity with XXXX authentication that is linked to my cell phone. This authentication gives a six digit code every few minutes that you have to insert at log in. Coinbase did not send me any email about the actions taken place in my account. These two security measures are in place to protect the end user, but Coinbase had a major security breach in enforcing it. They refuse to acknowledge that they failed with this protection. They refuse to activate their up to 250,000 dollars fraud protection. 
I know that this investment entity is relatively new, but it is a reputable and suppose to be a secure company. I know that there are other victims out there. 
We plead for help to recover our investment. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have several inquiries on my credit report that don't belong to me. please remove .XXXX, XX/XX/2019, XXXX, XXXX XXXX, XXXX   XXXX credit card XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX, XXXX   XX/XX/2019 XXXX, XXXX XXXX  XXXX , XXXX  XXXX XXXX   XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX . im starting to apply for credit and now I have all these inquiries on my report. They stated this was done online and not in person please remove this from my 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 2020-04-29
Company: Experian Information Solutions 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:
I mailed in supporting documentation to Experian. Experian keeps reporting they verified a bankruptcy which was dismissed. 

I sent them three sets of documentation indicating this was and is being incorrectly reported. I am fed up with this incorrect information being on my report. 

They are also reporting incorrect information about XXXX XXXX   XXXX  account, which was closed and not reported. 

I sent them copies of court order indicating the support case was incorrect and they keep saying they reached out to XXXX which is not the original creditor.

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 2021-10-18
Company: EQUIFAX, INC.
State: MD
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:
Please be advised this is my FIRST WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA account : XXXX XXXX ( {$550.00} ) # XXXX, SXXXX XXXX ( {$470.00} ) # XXXX, XXXX XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$0.00} ) xxxxxx, XXXX ( {$3600.00} ) # XXXX, XXXX XXXX ( {$160.00} ) # XXXX, XXXX XXXX ( {$3500.00} ) # XXXX Late Payments : State Employee # XXXX, XXXX XXXX # XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, US SM BUS ADMIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I signed a lease in XXXX XXXX for for 13 months called the XXXX XXXX XXXX Unfortunately the lease was broken and I only lived there 1 month due to XXXX   XXXX. I was helping a girl that was homeless of XXXX XXXX that was involved in the largest mass shooting in country from XXXX XXXX XXXX on XX/XX/XXXX I was threatened by the Venue apartments for noise, they cut my bike lock off and stole my bike and called police in which I was released after 1 hour. 
So months went by and I got a bill from XXXX in XXXX Wa for a bill over XXXX I was emailed by XXXX XXXX stating that I need to pay the bill.I then hired a attorney in which it was agreed that my balance would be {$1000.00} in which payments were made. 
On XX/XX/XXXX I received notification that XXXX forwarded a balance owing to XXXX XXXX XXXX IN Industry Type Other Collection Agencies Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Creditor Preferred Contact Other Account Number XXXX Account Balance {$2500.00} Payment Status Collection/Chargeoff This information is false on my credit reports and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
State: CA
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 have called Equifax consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with Equifax but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. 

I have tried to explain to the Equifax representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. 

I tried calling XXXX XXXX XXXXXXXX myself but I have not been able to have them help me because this account has information that does not match mine. Equifax continues to report this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased several items and used my Walmart Credit card. Most of the items arrived but 2 did not arrive as one of the items was cancelled by Walmart without my permission and was never issued a credited to my account for those items. Those items totaled {$9.00}. The other item that was reported by Walmart as delivered never arrived. That order was {$88.00} plus taxes. I need them to credit my account for that total of {$98.00}. No one has returned a response from either Walmart or Capital One which why I am filing this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-16
Company: Conn's, Inc.
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: Information belongs to someone else

Complaint:
Altough I already have a existing account with the company that doesnt pretain to the siruation at hand. On XX/XX/2017 a non-requested, unapproved, identity theft hard inquiry or opened account was made by and through : CONN CREDIT CORP XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: American Credit Financial
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was contacted by a " courier service '' telling me they needed to serve me with papers for check fraud and other offenses. Also contacted 2 of my family members and told them I put them down as references, which I did not. When I called back they sent me to Amercian credit financial LLC. They told me the only option I had was to pay them in full or a {$300.00} down payment and {$100.00} a pay check or I would be  arrested. I mistakenly set up a payment arangement, but all of the paper work they have sent me doesnt seem legit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: NJ
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BARCLAYS BANK DELAWARE
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
Someone created a fake XXXX account using my name, address, and credit card number and made a purchase on XXXX for two items that were supposedly shipped and delivered to my address. When I saw the charge of {$120.00} on my credit card and couldn't locate an order in this amount on my husbands XXXX account, I knew right away it was fraudulent. I called Barclay 's Bank immediately to dispute the charge and request a new card. They issued a provisional refund for the amount listed above while they completed their own internal investigation. 

I received a letter dated XXXX that said they had completed the investigation and were able to determine the charge was indeed valid and they would reinstate the amount to my card. When I called them today ( XXXX ) they told me they have received documentation from XXXX showing that it was a valid purchase on an account with my name and address listed for that amount. I asked if they could send this information to me and I was told no. I was told by XXXX at Barclay card that I'd need to call XXXX to resolve. 

I called XXXX and spent 2+ hours on the phone and spoke to 5 different people. First person wasn't able to verify the account because my phone number didn't match. Clue number one that this was a fraudulent account. I was then passed between other folks and the final person XXXX basically told me I needed to call my bank back to request a new card. I explained I had already done this. And then miraculously they couldn't find my account. 

I am out {$120.00} and have no products or anything. I have never had an XXXX account under my name or address. And now I am getting emails from XXXX telling me they can't find the account.

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 2020-04-29
Company: Express Aviation
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX XXXX 11 years ago. When attending I was young and unaware of the paperwork I was signing. I had no copies of my paperwork or student file! After further investigation this year of paperwork finally provided by the school, this month. The school is saying I never did an exit interview. I never received it! On the alleged exit interview paperwork it says I received a : 1. Federal Direct Subsidized loan for XXXX 2. Federal Direct Unsubsidized loan for XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX loan for XXXX Loan # 3 is what Im challenging. This loan was fronted by the school and paid for by the school. I was responsible for paying the school back once I dropped out of the program because they paid the loan for me. 

The school is now saying I owe them {$14000.00}. There is fraudulent activity going on. I was never told of XXXX  when enrolling. I was told by XXXX that I was enrolling into a HELP loan program that was provided by the school. I never signed nor agreed to a loan with XXXX. XXXX was just just found guilty of defrauding XXXX XXXX XXXX in 2018 for the same exact situation. I believe these charges are fraudulent and I want the school to be held accountable. They have harassed me for years for this money. I want all the money I paid to this fraudulent loan returned. I tried uphold and clear a debt a I thought I owed. However, this isnt my debt! It wasnt made clear to me. They took advantage of my situation and they took money from me for profit.

Company response to consumer: Untimely response