BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been trying to fix this problem for a long time ( over 15 months ), have offered pay-off, settlement etc. 
Company keeps calling me on a daily basis, about 3-6 times per day from different numbers. 
XXXX ownes this debt. Winn Law Group calls me all the time, instead of providing a signed settlement in writing - they have provided a setetlement, but with amount too high, I had explained to them that I am under a single parent COVID-19 hardship with no income since XX/XX/XXXX. 
RThey sent me a settlement that they did NOT SIGN, amountb too high.

They need to provide a settlement offer that I can AFFORD and that they SIGN before they send it to me. A printed out settlement offer NOT signed is not valid and I can NOT send any money to them if it is not legitimate and SIGNED!! 
They also need to assure that they will dismiss the lawsuit against me within 10 days after receiving the 1-TIME SETTLEMENT PAYMENT, that they will provide a copy of the dismissal of the lawsuit to me within 15 days, that they will refrain from suing me about this matter and the remaining balance in the future, that the entire debt will be dismissed with my one time payment of {$200.00} They just called me again from a robo-call saying they are offering a disount, press 0 - when I pressed 0 the call was being disconnected. 
Another company - XXXX XXXX - keeps also calling me, claiming they own this debt and that I have to submit payments to them ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: JPMORGAN CHASE & CO.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft CXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: IL
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:
EXPERIAN REFUSES TO UPDATE AND ACCEPT MY NAME CHANGE WHICH WAS LGALLY DONE SINCE XX/XX/2014! EVERY TIME AND I APPLY FOR BUSINESS CREDIT, ANY CREDITOR THAT USES THEM ALWAYS DENIES MY CREDIT AND ADDRESSES TO THE WRONG NAME THAT NO LONGER APPLIES TO THE SOCIAL SECURITY CARD! XXXX IS THE ONLY CREDIT REPORTER THAT HAS UPDATED MY LEGAL NAME CHANGE ... XXXX XXXX HAS NOT BUT AT LEAST USE MY EARNED TITLE OF XXXX ! THIS XXXX AND FRAUDULENT EXPERIAN WITH THEIR FALSE ADVERTISEMENT IS THE ONLY THUGS THAT REFUSES TO ADDRESS ME AS XXXX OR ACCEPT MY LEGAL NAME AS XXXX XXXX AND IT IS CONFUSING WHENEVER I TRY TO APPLY FOR CREDIT. I TRY TO USE ONLY COMPANIES THAT USE ONLY XXXX SINCE THEY WERE THE ONLY ONES WHO ACCEPTED MY LEGAL NAME CHANGED LIKE XXXX XXXX. BUT SOMETIMES I DON'T ALWAYS KNOW WHAT OTHER CREDITORS USE UNTIL AFTER I APPLIED.

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 2020-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory marks on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOURCE RECEIVABLE MANAGEMENT THESE PEOPLE HERE ARE VERY RUDE YOU SEND IN LETTERS FOR VALIDATION EVEN CERTIFIED LETTERS THEY WILL NOT RESPOND IT IS THE LAW A PERSON HAS A RIGHT FOR VALIDATION THEY NEED TO BE REPORTED I HAVE SENT IN SEVERAL VALIDATION LETTERS AND HAD ONE OF THEM CERTIFIED THEY STILL HAVEN'T RESPONDED THEN I DON'T KBOW WHAT ELSE TO DO I WANT TO KNOW WHERE THIS DEBT CAME FROM DIDN'T KNOW UNTIL I CHECKED MY CREDIT THIS COMPANY HERE IS VERY VERY RUDE THEY NEEED TO BE PUT ON THE NEWS OR SOMETHING I PROMISE YOU THEY WILL NOT RESPOND TO YOUR VALIDATION LETTERS CODE 809 AND CODE 609 WE HAVE RIGHTS AS CONSUMERS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Consumer Financial Services
State: IL
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:
This company keeps running a credit inquiry on my report for no apparent reason. They call and harass me saying they will sue me. Its becoming very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX and XXXX XXXX, XXXX I was mailed letters from XXXX XXXX describing a balance due. Upon inspecting the letter it was discovered that rather than my name in the letter window, my entire social security number was listed on both letters received. Upon opening the letters it was discovered that my entire social security number was listed on the document. I reached out to XXXX XXXX when the letters were opened on XXXX XXXX and spoke to the customer care supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
I called in end of XXXX beginning of XXXX to apply for the Coronavirus help with the credit card and Capital one never had set it up and kept Charing me fees and late fees. The representative cant find anything on the program. This is such an inconvenience and I have got hit on my credit with late negatives. I never ever have late negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was offered a credit line for XXXX by Paypal through Synchrony Bank. I've had a good relationship with Paypal for a decade so I accepted and closed out my old credit line with another bank. The card is supposed to be linked to my Paypal account, which pays for my other Paypal Credit account automatically every month from my checking. A month later I get a notification from credit monitoring service saying my scores dropped. When I called synchrony they said I was late so I immediately paid the entire balance and tried to figure out what went wrong because Paypal should be paying them from my bank account just like my other paypal credit account. I set that up already. When I explained it they apologized and told me they were going to restore my credit line and to check back in a week. I checked back every week for three weeks and nothing happened. Now I have no credit and my scores are in the dumps, and I can't even get back the old credit line I shut down because I relied to my detriment on Paypal 's extension of Scynchrony credit. Then I told paypal I dont want to do business with them anymore and asked them to close my account and they wont.

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 2017-12-21
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Deposited a non insignificant amount of digital currency into the site, Coinbase.com. The transfer was from a trading account on a separate and unrelated site, XXXX. Coinbase received the transfer of bitcoins. I decided a few days later I no longer wanted to liquidate my position on coinbase so I attempted to transfer the coins back into a wallet I control ( as in owning the private keys and not on an exchange ). However, coinbase would not let me withdraw my coins and demanded further identification. Identification that I had on file should have been good enough since I had bought coins on coinbase before even back in XXXX. I attempted to submit identification anyway though coinbase and even though I followed the instructions carefully, it would reject my ID without given a reason code. After calling a customer support to help me withdraw my coins, he told me that I would have to submit even more documentation and that it would take 3-5 days. I asked him how could this happen and he abrubptly hung up the phone. His name was XXXX, and had me on hold for over 90 minutes at one point as well. Very unprofessional and at this current time, the situation is tantamount to theft. I leave my position open on bitcoins and I am supposed to wait 3 - 5 days AFTER submitting MORE documentation without even having purchased those coins on coinbase in the first place. It 's ridiculously negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: CA
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:
It has to do more than inquires. My credit scored dropped 23 points for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To Whom It may Concern, I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX of XXXX as a birthday gift to myself. I was so excited to have my dream car. But during my 4yrs of having this vehicle the dream became a nightmare. From mechanical issues, driving in the snow and lastly having it repossessed from me because my payments ballooned because of the additional insurance ( XXXX ). I was young and had zero idea of what was happening. All I knew was to pay my bills. I thought maybe I had a interest rate that had gotten higher. I didnt understand that they applied additional insurance to my loan. I used XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX. Which has went out of business a few years ago. Also XXXX XXXX XXXX which I use for my homeowners policy was contacted to get dates however, there records only go to XXXX. I know I used them when I first got the car then immediately went to XXXX XXXX XXXX to save money. Now fast forward to the present and Wellsfargo is asking me for proof that I had insurance almost 10yrs later. XXXX XXXX XXXX is out of business and XXXX XXXX doesn't keep records dated back that far. I have exhausted every effort to get that information ( which I don't believe should be my job ). Now Wells Fargo is denying me a court ordered refund because such records doesn't exist because of above mentioned circumstances. I truly believe that Wells Fargo is aware of my situation and is trying to take advantage of me once again. Now I've become aware they are doing this to thousands of other people. 

I will like to file an official complaint AND open an investigation into this matter XX/XX/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 2019-06-10
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This past year in XX/XX/2019 my insurance agent presented a new home owners quote, instead of policy through XXXX XXXX. I agreed to make the change in XXXX. The new policy went into effect XX/XX/2019. I received a notice from the insurance company that payment from the mortgage company had not been received. I contacted them last week on XX/XX/2019. And was asked to forward the bill from the insurance company to the mortgage company. I did that, but today, the bill has still not been paid, and i discovered that the mortgage company took out another policy on my home for over double the cost of what I pay per year. I want them to cancel the forced policy, because of an error in accounting. Insurance has been in place without a lapse in coverage. I would like the amount paid to be refunded to us as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Between the years of XX/XX/XXXX and XX/XX/XXXX, my parents ( XXXX and XXXX XXXX XXXX : address XXXX XXXX XXXX XXXX, GA ) ( the police report upload has it a few items mistaken like the name on it has XXXX not XXXX ) took out many student loans under my name without my permission with themselves as co-signers. The disturbing part is the fact that the XXXX has paid for my entire schooling and I have proof of that. I had contacted all of the credit bureaus ( XXXX, XXXX, TransUnion, etc. ) to let them know what had happened with a police report and proof. But they are still reporting the student loans with incomplete/omitted information, that is bottom line fraudulent. Also after contacting them discovered that they were not keeping up with the right information anyway, like my home address. And if it was changed, my parents did so by using the return address on the gifts I would send my baby brother, never by me. They never tried to do research to find the paper trail, because if they did they saw the paper trail they wouldve seen that the money went into their private accounts and never used for school. The companies that Ive found so far are as follows ( all amounts are approximate ) : 1 ) XXXX/XXXX- {$3400.00} 2 ) XXXX XXXX XXXXXXXX- {$10000.00} 3 ) XXXX XXXX- {$17000.00} 4 ) XXXX XXXX XXXX- {$16000.00} 5 ) XXXX XXXX XXXX- {$10000.00} 6 ) XXXX XXXX- {$3400.00}

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 2017-12-21
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX office in XXXX XXXX SD, office of XXXX XXXXt has in the past sued me alone for my wife 's medical bills totalling $ 16,000+. They told me I would not win in the lawsuit so to just accept it and not even bother going to court. They garnished my wages for her debt, and even when the amount had before the lawsuit been disputed as the hospital had not billed the insurance company for treatment, they told me it was n't their fault and that it was MY bill to pay. Since then I have been garnished by them illegal amounts multiple times and while there is NO interest agreed to, they have added high interest to the judgment against South Dakota state law and have not noted on the most recent garnishment paperwork, illegally, that there has been several XXXX dollars paid to them. This company, Accounts Management Inc practices deceptive and illegal practices. These are mostly attributed to XXXX XXXX who uses the attorney 's rubber stamp signature while filing illegal paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I sent an escrow shortage amount to make sure Escrow was paid. Loancare misapplied those funds with no notification to me. I continued to make my monthly payments. Due to the amount change and lack of notification from loancare they held my payments in a side account and showed my payments as not being made. I have made numerous calls to them to fix the issue and even paid additional amounts they said that were owed. They continue to delay the application of proper payments and my credit has been giving mulitple negative remarks and has plummeted. I have spoken to XXXX XXXX and he promised it would be fixed. Please help me get my credit repaired and have loancare apply payments correctly.

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 2023-02-22
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SoFi Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Breach of confidentiality. My name and email address were shared with other leads by a mortgage sales person who didn't know how to securely and privately send emails. This again occurred when the message was " recalled '', which only works on internal email systems.

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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