BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: ACIMA CREDIT, LLC
State: TX
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:
I purchased 3 mattresses with XXXX XXXX in XXXX Texas for {$1200.00} on XX/XX/XXXX. I just finished making last payment of {$100.00}. When I finished paying XXXX XXXX, the total amount ended up being {$2500.00} ( which is totally outrageous ). Never received any emails or calls from the until today. I got a phone call onXX/XX/XXXX and then a email followed shortly, stating that my account was past due and they had attempted to contact me several times. In the email, it also stated that if a payment was returned the fee would be XXXX and I will definitely admit to my account was overdrawn from XXXX. But logging on to to the website and speaking with two different Reps with Acima they started I was being charged XXXX since my payment was returned and that since my payment was due on XX/XX/XXXXXXXX. I was being charged XXXX and that I had 4 days to pay that amount before my credit would be affected. I do n't think it 's fair that they are able to overcharge me for the returned payment which I planned on taking care if but the extra fees on top of I paid XXXX extra ... .please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I had a reserve balance of {$990.00} in my account tried to call paypal executive escalations. The disputes department only gives temp credits when they feel like it and make people waste their time!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: MD
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 previously mentioned the missing payment history which has resulted in Experian changing the date of status from month to month re-aging the account. The account was closed/charged off XX/XX/XXXX yet now its showing the date of status as XX/XX/XXXX. This is highly unfair since now they are saying the account will continue recording until 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 2019-09-30
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have never done business with XXXX XXXX XXXX and they turned me into collections for XXXX to, Midwest Recovery, also midwest recovery is trying to get money out of me for a loan of XXXX which i have never inquired or received, as someone fruadgenltly assumed my identy,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My name is XXXX XXXX and I reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX # XXXX Midland Founding LLC sued me for an old credit card dept, {$3700.00}, they had on their records with California Superior court XXXX county, case # XXXX. Which they claim that they have collection rights from XXXX XXXX. 

I went to court on trial on XX/XX/XXXX in person trying to defend myself since I could not afford an attorney and lost the case and now due to my financial problems I need to file for Bankruptcy and I even can't afford an attorney to help me to file for the BK. 
The documents they used against me was only data files that they had purchased from XXXX XXXX and statements that were not exclusive to me. They did not provide anything else. I disputed the dept and they responded by a single page letter that per their internal records I owe them money and not provided any other evidence. I reference the Consent order between CFPB and Midland to the judge, he said this is just some documents from a federal department and does not apply to state court, although the doc clearly says it applies to state and federal government. Midlands attorney did not speak in the trail and  the judge soley relied on the documents and asking me questions to give his vertict per the evidence given by Midland I expressed that the documents are hearsey and they are in violation of the consent order between CFPB and Midland but the judge was not interested. 
Prior the court they put negative report on my credit and that caused me denial of credit when going through a dental procedure and I suffered for a month before I had to pull an infected tooth. Now l am broke and feel defeated. I have been working 60 hours a week none stop for 5 years and always short and now they have the judgment to go after me to probably embarence me at work and my bank. I don't know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Community Loan Servicing , LLC - previously Bayview Loan Servicing - has been suppressing our mortgage payments from the credit bureaus since they bought the loan in XX/XX/XXXX. We believe this is a violation of our credit rights. 

Over the years I've called several times and requested that they report our payments. They always refused. On XX/XX/XXXX a woman at Bayview named XXXX advised me to file a dispute with the credit bureaus and Bayview. Those actions got no response. 

On XX/XX/XXXX someone at CLS named XXXX read what he said was their response letter and said it is in the mail. We haven't received said letter. 

That letter states that they won't supply our payment history to the credit bureaus unless we reaffirm our loan. We aren't able to do that because it's now well past the 90 day period for doing so. There is no law that says we have to reaffirm, and some state courts won't even let people do it because of the burden it puts on homeowners. It's not required by the Fair Credit Reporting Act, and we're told that we shouldn't put ourselves and our home at risk by reaffirming. 

I mailed and emailed Qualified Written Requests to CLS on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response was an Acknowledgement Letter dated XX/XX/XXXX which stated that they had received my request and will " provide a complete response on or before the Proposed Resolution Date '' of XX/XX/XXXX. As of this date we have received no such response. 

I mailed another letter dated XX/XX/XXXX to both the corporate office and their consumer relations office in XXXX XXXX, FL. I am awaiting a reply. 

While we've never had even one late or missed payment with CLS or Bayview, this situation has adversely affected our credit worthiness for all this time and impeded our ability to obtain credit. It's also keeping our credit scores deceptively low - possibly up to 200 points below what they should be. It's been particularly obstructive in that we can not refinance our home loan to take advantage of the low mortgage rates that have been available to consumers these past years. That in itself has cost us thousands of dollars. This is no way to treat homeowners who have an excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: JPMORGAN CHASE & CO.
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:
To Whom It May Concern/ XXXX XXXX ( CEO and President ) I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

CHASE- XXXX XXXX ACC # XXXX Reason : Identity Theft I am hereby notifying that you are inaccurately and falsely reporting the above account which constitutes violations of the Act and of my demand that you remedy such violation within five ( 04 ) calendar days from your receipt of this complaint. This account has been previously been disputed and you did not deleted required under FCRA. You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623,  Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : -Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX v Chase Manhattan , 2002 provides a cause of action for individuals against furnishers of information. 

I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX Deed in Lieu documents were signed and notarized. The lender sold the loan shortly after to the current lender. The documents were misplaced in the process of transfer. The current company communicated to me on XXXX XXXX, XXXX, that the documents were being recorded. Today, the company tells me they need an updated appraisal.

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 2019-09-30
Company: Experian Information Solutions Inc.
State: AL
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:
I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : Experian : 1. XXXX XX/XX/XXXX 2.  EXPERIAN XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX XXXX 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX/XXXX 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 non-monetary relief
Consumer complaint received 2019-09-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have sent multiple letters to both XXXX  and Equifax bureaus that my bankruptcy is reporting inaccurate information. The date filed is inaccurate ( one says XX/XX/11 and one says XX/XX/11 as well as the court name ( one says federal and the other says us bkpt ct il XXXX ) when both should be consistent thru all credit reporting agencies. I have asked them to remove it over 4 letters that I have sent them and they responded saying its verified as accurate which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: WELLS FARGO & COMPANY
State: PA
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:
XXXX XXXX XXXX XXXX has a collection / charged off account listed on my credit report that is an account associated solely with my XXXX year old son. I have never been on the credit card with him neither cosigned nor used the his card. Both my son and I have unsuccessfully attempted to contact WF to remove this from my report to no avail.

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 2019-09-30
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
State Collection Service Inc is trying to collect a medical bill from XX/XX/18 of {$260.00} from me. This is not my bill and belongs to an ex spouse. I have never gone to, or been treated at XXXX XXXX   XXXX or any other hospital. 

I have disputed this claim, but XXXX has not removed it enough it is not my bill and no proof can be shown it is mine as it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
cabela 's club and capital one of XXXX, north Carolina XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX sent check for {$110.00} XXXX XXXX capital one did not cash check till XXXX received bill from capital one XX/XX/XXXX for {$150.00} called capital one tuesday XX/XX/XXXX at XXXX XXXX. lady told me I had no balance and did not no why I received a bill. 

have received bills from capital one XX/XX/XXXX for {$40.00} and XX/XX/XXXX for {$40.00}. called both times talked to 2 ladies but could not get this resolved. 

sent complaint to atty general office of north Carolina got this to fill out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect Inc is trying to collect a medical bill from XX/XX/17 of {$340.00} from me. This is not my bill and belongs to an ex spouse. I have never gone to, or been treated at XXXX XXXX Hospital or any other hospital. 

I have disputed this claim, but XXXX has not removed it enough it is not my bill and no proof can be shown it is mine as it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX   and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the trans union report that I ran. I have made a police report with the XXXX  County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I started a transfer on pangae money transfer on XX/XX/2021 for XXXX XXXX and the transfer was completed but my recipient has not received the money, and they have charged my account, i want a refund but the merchant is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Went into forbearance on time with Dovenmuehl Mortgage, made 5 payments during forbearance. Deferral was done incorrectly on XX/XX/22, putting account into late status right away even though I made payments every month starting 2 months before deferal was finally done after asking for 2 months. They are refusing to correct the deferment so the account shows on time the past 5 months, and owe 3 payments they have not credited me ( {$6300.00} ). 2 were refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: EQUIFAX, INC.
State: AL
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:
I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : XXXX : 1. XXXX XX/XX/XXXX 2.  XXXX  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX   XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX Equifax 1.XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX, XXXX, XXXX 7. XXXX XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX. XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1. XXXX XXXX XX/XX/XXXX. XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX, XXXX 10. XXXX XXXX XXXX, XXXX 11. XXXX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Updated information. In regards to Discovers responses and continued attempts to hinder my ability to validated my obligation to an alleged debt. I would first like to say thanks for the correspondence that was sent to me, unfortunately a billing statement is just that a statement and not proof of my obligation to an alleged debt. Secondly Discover has expressed in numerous responses that they have validated my obligation to the alleged debt. A debt collector those not have the authority or power to validate a consumers obligation to an alleged debt pursuant to 15 USC 1692g, only I the consumer or a judgement from a court can validate my obligation to an alleged debt pursuant to 15 USC 1692g ( b ). There are 5 points that congress clear states must be provided to a consumer by a debt collector so that the consumer can adequately validate their obligation to an alleged debt, pursuant to 15 USC 1692g. Discover has not fulfilled their obligation to provide the proper information required for me to validate my obligation to the alleged debt. This after numerous attempts by me both by US mail and through the CFPB clearly expressing what is required pursuant to the FDCPA and applicable Federal laws. Discover and their representative Chef Executive officer XX/XX/XXXX has shown an unwillingness to adhere to the federal statue set forth by congress in the Fair Debt Collection Act and has taken it upon themselves to put company rules and policy over federal laws. Discover has reported this unvalidated debt to multiple credit reporting agencies as a negative delinquent account further causing grievous harm to my public reputation. Discover says that they have no more evidence to send validating my obligation to the alleged debt beside a card member agreement and old billing statements, if this is the case Discover must cease and desist all collection attempts of the alleged debt if they are not able to provide the evidence needed to adequately validate my obligation to the alleged debt pursuant to 15 USC 1692g. I need the name and address of the original creditor to the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Son XXXX XXXX was involved in an accident at the age of XXXX. There was a court settlement resulting in a monetary award for XXXX which was deposited into a court restricted CD account at XXXX XXXX XXXX by the law firm that represented the insurance company. I was names conservator of XXXX estate by the court. XXXX XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXX. A second merger with XXXX XXXX XXXX XXXX happened in XX/XX/XXXX. A third merger to the current restricted CD account holder BMO Bank happened in XX/XX/XXXX. The court has now decided that XXXX is old enough to receive the funds with the accrued interest from BMO Bank. Over the years since the funds were deposited, I have not received any correspondence from any of the banks. After receiving a letter and court date from the XXXX Superior Court, I did some research, ( see attachments along with the Federal Reserve Release document, pages 6 & 23 ) and contacted BMO Banks XXXX XXXX at the XXXX XXXX, Arizona branch on XX/XX/XXXX. XXXX XXXX checked out our personal information and created case # XXXX. I was told the result of the search would be completed by XX/XX/XXXX. I left a message for XXXX XXXX onXX/XX/XXXX at XXXX but as of this date have heard nothing 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