BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: Convergent Resources, Inc.
State: CA
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:
Convergent Outsourcing sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX in the amount of {$2400.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that It has been 4 years since the last payment was made to the disputed phone account. The statute of limitations under California law to collect this old debt is already in effect and Convergent Outsourcing should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " If you do not pay the debt, Convergent Outsourcing , Inc. may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting ''. I believe this kind of action is a violation of FDCPA.

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 2021-11-29
Company: EQUIFAX, INC.
State: NY
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:
These companies / credit bureaus and banks are reporting fraudulent inquiries, transactions and inaccurately debt which has left me with a disability  to obtain lines ( s ) credit ( s ).

The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. XXXX XXXX : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency has attempted to collect a debt for a goods I never received. I have tried on multiple occasions to resolve this issue with the collection agency and have reached out to the Nebraska Attorney General. I have recently moved to Wisconsin and when I contacted their Attorney General to get assistance with this invalid debt it was brought to my attention that they are not licensed to collect debt in my new state of residency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX I opened an account with XXXX for a motorcycle. In XX/XX/XXXX, I paid this card off. I was summons to court in XX/XX/XXXXby XXXX XXXX ( company who bought loan ). I was able to prove payments were made and the lawsuit was dropped in XX/XX/XXXX. The amount I supposedly owed was {$6100.00} and I paid {$12000.00}. I checked my credit report and this negative account was taken off ; however, in the past month it has shown up again with a new opened date of XX/XX/XXXX. I have contacted XXXX XXXX XXXX, but they haven't been much help. They refuse to take this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: HW Holding, Inc
State: GA
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 letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, in XXXX XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. In XXXX I again emailed asking the company to provide accurate information. On both XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. In the recorded call the XXXX XXXX agent agreeing the information is incorrect, I have the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Public record information inaccurate

Complaint:
1. Consumer covered veteran ; Experian XXXX, Experian Solutions, Experian XXXX XXXX  ( hereafter Experian ) is a business entity that regularly conducts business in the State of Ohio and XXXX XXXX California. 

2. CRA engaged in pattern of practice of Mixing Consumers Credit Report and Reporting False Accounts violated Fair Credit Reporting Act ( hereinafter the FCRA ), 15 U.S.C. XXXX, et seq for {$150000.00}. 

3. Experian acquired XXXX XXXX who admitted to selling, aggregated, repackaged and distributed consumer information since acquisition in 2011. Acting furtherance in bodily harm to consumer Experian continuance in reporting to potential employers, other entities and credit grantors ; the fraudulent account. 

4.Despite consumer communications both oral and legal, Experian has nonetheless deliberately, willfully, intentionally, recklessly and negligently repeatedly failed to perform reasonable reinvestigations of the above disputes as required by the FCRA ; ( 1 ) failure to remove the inaccurate information timely and ( 2 )  disclose the results of its reinvestigations in writing to the consumer. 

5. Experian has repeatedly published and disseminated consumer reports to bankers, potential employers from at least XX/XX/2011 through the present reasonably believe the information was true but knowingly false. 
6.Experian continuance in false or inaccurate credit reporting of consumer information negatively reflected upon began since 2011 to date that do not belong to consumer ; resulted from or due to Experian faulty procedures, that mixed the credit files of consumer and that of another consumer with respect to the inaccurate information and other personal identifying information. 
7. At all times pertinent hereto, Experians successors conduct, was acting by and through its agents, servants and/or employees who were acting within the course and scope of their agency or employment, policies, practices, rules, regulations and under the direct supervision and control of the ( CRA ) board members and General Counsel herein 8. At all times pertinent hereto, the conduct of Experian and agents, servants and/or employees, was malicious, intentional, willful, reckless and shown gross negligent disregard for federal and state laws and consumer protected rights to date.

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 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of today, XXXX XX/XX/2020, I have not receive my XXXX Mortgage payment statement, which includes a payment stub. According to Bank of America own requirements a payment coupon is required for " Crediting of payments ''. I have sent Bank of America over 5 secured messages via while logged into their website over 2 weeks ago and got no response. Calling wait times to Mortgage Dept. have been between 60 to 90 minutes every time I call. Today I get they are working on it. It is also noted that I have never had, paperless billing and confirm that via their website. It is noted that I have listed my phone number as on thier website. 

Attached XXXX document is copy of secure message while logged my Bank of America mortgage account ending in XXXX. They do not allow to send myself a cop.

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 2020-01-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a {$50000.00} mortgage to buy a {$260000.00} home about 90 days in advance of closing on XX/XX/XXXX. From the very start I was asked to upload my taxes, print and sign a myriad of documents, prove my retirement income and social security, and to upload 2 months of transactions from my local bank accounts. I do my taxes on paper, not software. I offered to send copies. No good. I couldnt print. I asked for the documents to be sent to me, I would sign and return. No good. Navy Federal Credit Union has been receiving my military retirement pay every month since XXXX, and my social security pay every month since XXXX. No good. I had recently cashed in two certificates of deposit ( issued by Navy Federal ) in the  amount of nearly {$55000.00}, and had received over {$180000.00} in proceeds from the sale of my home, a copy of the signed settlement statement being provided to NFCUa total of $ XXXXmore than adequate to cover my down payment. Again no good. As it turned out, I was 4 business days from closing without an approved mortgage, and was asked to show 2 months of transactions from my local bank accounts, even though I had already proven I had the funds. I ended up paying cash. I was a member of NFCU for 40 years. Was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: FinCo Services Inc DBA Current
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX stole my phone and made transfers to his friends from my account and stole my money. I contacted current bank right away and they checked into it and said there was no errors and I would not get the money back or anything done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was looking around for a mortgage and spoke to XXXX XXXX from AmeriSave mortgage. I decided to not get prequalified because she wanted me to take a higher interest rate now and refinance in 6 months. I knew this sounded wrong and not how banks generally offer loans. I declined this offer but wanted to notify somebody of this companys offer because this is definitely predatory lending. At a more vulnerable time in my life I may have fallen victim to it, but now I understand I have to shop for a mortgage just like anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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 information incorrect

Complaint:
Equifax is reporting unverified and unvalidated accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. There is no signed contract between myself and the alleged debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a call from this debt collector regarding an account that is not mine and they refuse to remove it from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a victim of the scam and I want both XXXX and Wells Fargo to work together to remedy the situation. In XXXX this year, I tried to sell my car ( XXXX  XXXX XXXX XXXX on XXXX at {$1200.00} and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX, which now the XXXX  XXXX XXXX has formally confirmed as fraudulent ( see the attached XXXX  XXXX XXXX response to my CFPB complaint # XXXX ). When I received the check on XX/XX/XXXX and immediately deposited it into my XXXX  XXXX XXXX account, the buyer told me that by mistake she sent a {$3500.00} check including the fee for the mover that she hired ( {$2200.00} ).  She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the Wells Fargo account of the mover named " XXXX XXXX '' via XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX, which I did on XX/XX/XXXX. When I realized that it was a scam, I immediately contacted XXXX and also Wells Fargo about the scam. Fortunately, the scammer got back to me complaining that the mover 's bank account at Wells Fargo got blocked. However, neither XXXX nor Wells Fargo has opened an internal investigation and made an arrangement to get the money back to me. I am attaching five documents : 1 ) the XXXX  XXXX XXXX 's response to my CFPB complaint ; 2 ) my original FBI report ; 3 ) my supplemental FBI report reporting the blocking of the scammer 's Wells Fargo account ; 4 ) my local police report ; and 5 ) all evidence of communication with the scammer.

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 2020-01-25
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I helped my parents buy tires for their car when my father was ill. The tires came with {$100.00} rebate. My mother received the rebate in the form of a prepaid MYPREPAIDCENTER VISA card. My father soon passed after the card was received, and my mother gave me the card. I couldn't deal with it immediately, and put it in a pile of papers with my parent 's stuff. I found the card in XXXX of 2019, not realizing there was a expiration date on the card. I attempted to use the card at XXXX  on XX/XX/XXXX, the card was declined. I called and it said their was {$100.00} on the card, but soon realized the card expired on XX/XX/2019, the day before my attempt to use it. I called Prepaid XXXX number and somehow was able to get a " live '' representative. I explained in detail my situation, I even got my mother on the phone, to explain why I had the card in her name. He told me that they have to review the case, and they would get back to me in 7-10 business days, and that I might have to pay a small replacement card fee, and I said that was fine. 10 business days have more than passed, and no one has ever called me back. I gave them my cell phone number and address, with my work I can't always answer my phone, but never received any response. I have tried to call the only number they provide on their website and card, but it is only fully auto response, and tried every menu, and can not get a person to talk to. This is the case number the rep provided me when I called on XX/XX/XXXX - XXXX. I understand that the card expired, but I am hoping the funds are still available, either way, I am just hoping to get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am trying to clean up my credit report. I have one company XXXX XXXX that has 4 accounts on my credit report. I pay them every month but they continue to hit my credit report negatively every month. This week I have starting trying to pay the smaller amounts. I have asked them everyday this week to send me a letter of for one account stating that when I pay the small balance ( {$50.00} ) it would be deleted from my credit report. I have made phone to this company every day this week asking for this letter. I did receive a letter today but it had all three of my accounts on it and the total amount had to be paid within 24 hours. I am not able to pay all three accounts in 24 hours so this letter will be voided. I have never before had to beg someone to collect money from me. Please help me get this cleared up. I would really like to get three of my four account cleaned up. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 an account XXXX  on my credit report which was paid of leaving the balance under {$50.00} I sent proof and it was deleted Now with no warning it has been added with out any notification back on my report which is not by the rules Here are the copies of it being deleted by transunion by cpfb last complaint now it's back

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 2018-02-09
Company: HW Holding, Inc
State: OH
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:
HI!, I payed HUNTER WARFIELD in full four months ago. they only increased my credit 100 points. it is supposed to go up 200 points. 
they need to increase my credit another 100 points.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
- On or about XX/XX/2019, the Trust received from XXXX XXXX XXXX XXXX ( GCSLP ) an unsolicited, one page presentment ( Exhibit 1 ) alleging an indebtedness owed by the Trust to an alleged identified as JP MORGAN CHASE BANK, N.A. (  JPMCB ). 

- In response, on XX/XX/2019 via USPS CERTIFIED MAIL, I sent to XXXX a letter demanding the validation of the alleged debt and the production of and delivery to me the unaltered, unredacted, recto and verso, original instrument of indebtedness pursuant to my right and entitlement to an exercise of equity and legal right of subrogation. 

- Please see attached documents of proof of me sending the letter and its receipt by XXXX. In addition to that, please note that they are ignoring my request to modify account as satisfied, paid as agreed, which would result in changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

- It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I had a credit card with Navy Federal Credit Union for about XXXX, I got injured pretty bad in XXXX and was in the XXXX for about 14 months. I had a XXXX  XXXX  as well. When I around to my affairs, i was very delinquent on several banks. When I contacted NFCU, they seemed not to care. So in XXXX i was sent settlement offers and we finally settled the account. in XXXX, i went to log on to the website to check my accounts i could not. They eventually assisted me and i then I was told i owed them XXXX  on my credit card. I pulled my credit report and i saw the account was charged off and closed. So my question, how do i still owe them if they wrote it off as a loss in XXXX or XXXX. It also is being reported badly on my credit reopen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
KIA Financial has reported incorrect late monthly payments to all credit reporting agencies. It reported incorrect information from XX/XX/2020 to XX/XX/2020. Four out six months were reported incorrectly. I wrote a letter to KIA Financial to try to correct the issue and they continue to disagree. I have called and no one says they can help me. I have been trying to resolve this dispute for several months now. Very disappointing in the middle of a pandemic.

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