BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management dba Encore Capital continue to call on a debt that was part of a class action suit for a payday loan. I received a settlement check for that and they insist that I owe the debt. I continue to receive calls and I sent over a fraud alert on my credit report due to reporting this on my credit report. This company is now texting and calling family for a debt that I do not owe. This is also past the statute of limitations of collections according to Colorado and Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CMRE showed up as 3 inaccurate collections on my credit report for the amount of {$2000.00}, {$260.00} and {$150.00} all from the same original creditor ( XXXX XXXX ) and same alleged hospital visit. I initially disputed collections online via XXXX. Results listed below and attached. 

Online dispute submitted for {$2000.00} on : XXXX Not removed. 

XXXX Not removed. 

XXXX Not removed. 

XXXX Not removed. 

Online dispute submitted for {$150.00} on : XXXX found to be inaccurate and deleted. 



Considering that the collection of {$150.00} was found inaccurate and removed, the remaining 2 collections for {$2000.00} and {$260.00} should have been removed as well but were not.

I have mailed numerous letters via USPS requesting validation of debt via adequate proof that it was me and not someone using my name or misfiled. As of XX/XX/XXXX, I began mailing them as certified mail in efforts to have these inaccurate collections removed. Another request sent in XX/XX/XXXX as well as XX/XX/XXXX. The responses received were irrelevant info such as a letter stating " account balance is accurate '' and other things failing to meet my request of the following : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verification or copy of any judgment if applicable -Identify the original creditor -Prove the Statute of Limitations has not expired on this account -Show me the you are licensed to collect in my state -Provide me with your license numbers and Registered Agent or Agent of Service Receipt of certified mail is attached. 

Last 3 letters sent via certified mail : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Continental Finance Company, LLC
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a XXXX Mastercard and was approved and Continental Finance states  they mailed the credit card on XX/XX/2018, then on XX/XX/2018 and when I called on XX/XX/2018. In actuality a credit card was never mailed it was just stated to get me to pay the XXXX fee.

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 2020-08-26
Company: EQUIFAX, INC.
State: CA
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 HELP. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i applied few time for XXXX credit cards and others and all are denied, I am feeling some type of discrimination a.bout because I got a credit standard

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 2020-05-11
Company: Experian Information Solutions Inc.
State: CA
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-10-29
Company: Experian Information Solutions Inc.
State: CA
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:
have disputed the late payments on XXXX XXXX XXXX XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-29
Company: EQUIFAX, INC.
State: CA
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:
have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions 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 XXXX is reporting inaccurate information on my credit report. Company was unable to provide or validate the debt and has not removed the inaccurate information.

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 2020-11-13
Company: LD Holdings Group, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an existing mortgage being administered by Loan Depot that closed earlier this year ( XXXX XXXX ) and recently one of their reps called me to ask if I wanted to refinance due to rates having gone down. I replied that the rate and any fees would have to be low enough to justify it. The rep said he has all my info due to the current account and could do 2.5 % with only {$1200.00} in total out of pocket costs/fees because my current loan had closed only a few months earlier. I called him back to accept the offer and he then proceeded to do a new credit check ( which is only better since earlier this year due to revolving credit bal reductions ) and initiate processing. Subsequently, Loan Depot sent me documentation asking for many thousands of dollars in closing costs. I escalated the issue there and was bounced back to the first line lending officer I was dealing with, XXXX XXXX. He claimed that the processing is when they determine what they could do from a loan-terms standpoint. This is blatant dishonestly and fraudulent bait and switch marketing tactics, which also degraded my credit report with an unnecessary credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: First Associates Loan Servicing LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Filed Chapter XXXX bankruptcy 2016 and was discharged. XXXX XXXX was included and was aware. XXXX XXXX  continued to contact me regarding making payments to the loan included to the bankruptcy. They have been receiving payments out of my account every month for {$50.00} and should not have been receiving it. Today, I spoke with XXXX, XXXX, and XXXX ( 2x ). XXXX would not transfer the call to the credit department. XXXX stated there wasnt a credit department, then once he got my information then he stated he would transfer me to the credit department. In which, I spoke with XXXX. Who stated that I still owed and that he received information from the US Bankruptcy Court that it was dismissed. At first XXXX acted as if he didnt know about the bankruptcy. He stated that they still illegally continue to collect the funds from my account. So I asked to be transferred to his supervisor and they had me on hold for 10 minutes. Then they sent me to a survey not the supervisor. I called right back, same process. I spoke with Supervisors XXXX XXXX ext XXXX and asked for a case number related to the bankruptcy case, attorney name, and phone number. It was provided. He stated that it will be escalated to the bankruptcy team and it should take 72 hours. Also, stated he will stop the autopay. I verified the account so they stop further payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: ALLIANT CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX emailed me adverse action letter denying the application stating that they are unable to verify my identity based on the information provided. When they contacted me in an attempt to verify identity, they asked for last four of social security number, address, current employer and phone number. During application process I also uploaded my bank statement and 2 pay stubs. No other attempts to verify my identity were made. Their customer service stated that the information that I have provided does not match consumer report, but would not share what exactly did not match. I pulled up my credit report and offered them to send verification for the information on my credit report that they found not matching. They declined to release what exact information was not matching or accept any other forms of identity. I also asked if adverse action letter listed a correct reason for declining the application and they said that it did. XXXX is treating me unfairly and not providing true information on the reasons for declining the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Prince Parker & Associates
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Prince Parker and Associates, contacted me multiple times about my payment of {$310.00} for a medical bill I owed. I paid them once on XX/XX/2018 and have a receipt for this. They sent me an email again on XX/XX/2018 and multiple letters in the mail. They called me again on XX/XX/2018 and told me the previous payment did not go through and collected another payment again from me which was processed on XX/XX/2018. When I was looking back at my accounts, I found that both payments were successfully processed. 

I tried calling them twice but it keeps going to the voicemail after a long wait time. I will try again but I would like to register this complaint so this does not happen to others. 

There are several complaints already against this agency when i looked online. I want CFPB to take appropriate action on this agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/X/17 - I called them to start payments on the amount owed of {$590.00} - they are asking for payment of {$800.00} - they are adding a fee of {$200.00} - is this legal?

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 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We were selling our home and needed a closing statement for our Home Equity line of credit of {$250000.00} from Bank of America. The closing was XX/XX/2020. I called Bank Of America on XX/XX/XXXX requesting the closing statement be sent to my Attorney. There was a XXXX  balance on the account and I was told the statement would be received on XX/XX/XXXX. My Attorney did not receive the Closing Statement. When I called Bank of America on XX/XX/XXXX, I was told by Supervisor XXXX there was a {$620.00} early closing fee that needed to be paid before the a the account could be closed. We transferred {$620.00} to the account that day. Again my Attorney did not receive the Closing Statement. To complete the sale of our home and the Title Company had {$250000.00} held in escrow until a Closing Statement was issued. 
I again called Bank of America on XX/XX/XXXX about this matter and spoke with XXXX XXXX and later with Supervisor XXXX. XXXX told me the delays were due to a " System Conversion ''  and we would receive the Closing Statement on XX/XX/XXXX. As of XXXX XXXX on XX/XX/XXXX this account has not been closed and my Attorney has not received the Closing Statement. We were given a Reference Number XXXX when we last called.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last Reported XX/XX/XXXX Collection Agency MED DATA SYS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$170.00} High Balance {$170.00} Remarks Placed for collection

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 2018-10-29
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX at XXXX I was contacted via phone by a representative from Diversified Consultants, Inc. During the call I requested written verification of the debt they referenced during the call. I received a letter on XX/XX/XXXX that stated I have 30 days to dispute the validity of the debt. I sent a letter via Diversified Consultants online dispute form on XX/XX/XXXX and stated that I would also be sending the same via regular mail. On XX/XX/XXXX, less than 30 days from the date of the notice, the company reported the invalid and unverified debt to the credit agencies. The company did not follow FCRA guidelines and reported a debt that is not mine to a credit agency which adversely affected my credit and ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/18 I sent Transunion a final letter requesting that they send me copies of the information they used to verify the 6 accounts ( each account ) : 1 ) XXXX  for {$1700.00} 2 ) XXXX XXXX for {$2800.00} 3 ) XXXX for {$4300.00} 4 ) XXXX XXXX for {$680.00} 5 ) XXXX XXXX XXXX for {$13000.00} 6 ) XXXX for {$1200.00}, they continue to list Negatively on my credit report. Transunion signed & recieved that final letter of request on XX/XX/18 @ XXXX. 

They have IGNORED my requests & my rights. They did NOT provide me with a copy of how they verified each account. They just put Verified. They did not provide me with ANY information on # 6 XXXX for {$1200.00} & they did NOT provide me with an updated credit report. Transunion needs to be held accountable for reporting things Negatively on my credit report without any Verifiable PROOF.All of these items need to be removed IMMEDIATELY & they need to send me a copy of my credit report to reflect the corrections.

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 2018-10-31
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I recently contacted my JC Penney MasterCard which can be used anywhere. Since I have made payments on time I requested my interest rate be lowered. I was told There were no lower rates. I contacted two of my other cards and did get a reduction in interest rates for paying on time.

The amount of this payment is an extreme hardship for me.

The payment is approximately {$180.00} a month. My rent is {$870.00} so this makes it a struggle for me. No credit card should be able to charge over {$120.00} A month.

Please help me.

Sincerely XXXX XXXX, OR 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 2019-05-23
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter received a debt collection letter from Convergent Outsourcing IncXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wash., XXXX - phone XXXX This company said my daughter owed {$49.00} and the account was placed with them for collection. But Convergent refuses to tell us the alleged merchant or company who is owed the {$49.00}. We have no bank, credit card or XXXX records of any transactions for {$49.00}, so this is a scam. 

They did eventually give us a phone number of the company and it was XXXX 's phone number. This makes no sense because you have to have a credit card or bank account connected to a XXXX account, so a XXXX account can't be past due. Convergent Outsourcing is a scam. 

I've contacted Convergent but they are unwilling to expunge this. Please look into Convergent. As I said, this is a scam. XXXX  has no record of accounts past due so they are trying to collect on a bogus claim. So there's nothing past due. Convergent Outsourcing made this up to try to rip us off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
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 status incorrect

Complaint:
Charge off for  XXXX   XXXX  accounts are saying charged off in  XXXX   XXXX , that is not accurate, they were charged off in  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