BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-28
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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 2019-06-03
Company: MRS BPO, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a missed call from XXXX at XXXX on XX/XX/2019. I returned the call 10 minutes later. A robot answered and asked if I was ******* *********, press " 1 '' for yes. I pressed " 1 '' for yes. Then I was transferred and a gentleman answered the phone, said this was MSR Associates and asked me why I called. I said I just missed a call from this number. He asked me if the call that I missed asked me for me by name. I told him it didn't but when I called back it asked me to confirm my name was ******* **********. He said great now can you tell me your address to verify your identity. I said no, I do not know who you guys even are, who are you? He said that is was okay to not verify but that we can no longer proceed and then he hung up. 

I then researched the company and found out it was a collection agency. They did not tell me that during the phone call. I researched further and went into my credit reports and found nothing in my credit reports. I checked XXXX and XXXX. That leads me to believe that they are attempting to collect money I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Johnson Mark LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has added all types of fees to each of my accounts, hundred of dollars. When I ask for a itemized list of charges, they send a total of what I owe, that is it. They ignore my letters and phone calls. They have lied in court about total amt. of debt. I have received nothing but false totals since I started with them. I just want correct totals so I can pay and close the files and start anew. Please help, nothing I say has changed this company policy on how they go about collecting there debts. I have been paying monthly and still they garnished all bank accts. even my childrens ( where they got the bulk of monies ) and them while paying monthly still went ahead and garnished my wages. This is bullying me to pay more money then I have. Not a nice company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Just got a letter from : XXXX XXXX DBA XXXX XXXX original creditor : XXXX XXXX XXXX XXXX : Cabelas Club Visa saying I owe {$10000.00}, but This was part of identity theft that happened in 2014 and I filed a police report and FTC report, but these people keep going after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: GREAT LAKES
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a call from XXXX, NV at XXXX on XX/XX/19 regarding my student loans. I had recently been in my account trying to set up a new payment plan, so I didnt think it would be a scam. They left a message with a reference number and I called back and spoke to a woman XXXX who was telling me about a predator loan and I could qualify for less of a payment. She asked me to verify my social security number and reset my password on the FSA website. She had said they were the FSA. I was telling my mom about it while I was on the phone with XXXX and my mom said it sounded like a scam. I looked up the number in XXXX and found that it was. Now Im stuck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
4 years ago I sold my home in XXXX, NC and moved into a new one in XXXX, NC. I hired a moving company to pack and move my personal belongings. When we moved into our new home, we had XXXX come and install TV, Phone and internet ... .same as in my former home. 

I then began to received calls from XXXX about modems. Heck, they brought and delivered them to me at the XXXX address, I'd called to cancel service and I assumed that THEY would come to retrieve said modems. 

Now began threatening phone calls and I finally found said modems at the bottom of a box my packers had shipped to me. I pulled out said modems, drove to another town and turned them in. I specifically asked the manager of the store is there was anything else required of me. Meaning my cable bill was paid and they had their precious modems. The answer was NO. 

I have had to reason to look at my credit score until recently and have discovered that using the XXXX score, my credit is only in the high XXXX 's! I have no debt other than a mortgage with my wife ; my car is paid for and for credit I ONLY use XXXX XXXX. I typically carry a 6-figure balance in my CHECKING ACCOUNT and now I'm seeing I'm being bashed over this XXXX issue. My mortgage lady says that this XXXX issued is bashing my credit. 

I want it removed ... end of story

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax had a security breach in which many people has personal information stolen. I was one of these people and this could be considered the released on personal information without my consent. This information being made public can cause problems in the long term, including identity theft which could damage my credit score and finances. Even is no identity theft occurs, private information being made public without the permission of the individual is unethical and violates our liberties. Please look at all the facts regarding the Equifax case and ensure that victims see justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. Please provide physical proof, original contract with my signature on, any and all cancel checks, I'm requesting for a debt validation of this debt or delete the negative report off my credit.

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 2019-01-15
Company: Nicholas Financial Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a car in XX/XX/XXXX and financed it with Nicholas Financial. The car was totaled in an accident in XX/XX/XXXX and paid off within 7 days. The payment was not late and was not reported late ; instead reported correctly as " OK '' on all three credit reports. 6 years later in XX/XX/XXXX, they are erroneously reporting that I was " 30 days late '' in XX/XX/XXXX, " OK '' in XX/XX/XXXX and " OK '' in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
REMOVE THE FRAUDELENT INFORMATION FROM MY CONSUMER REPORTS

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 2023-02-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have been accused for having a bankruptcy reporting on my consumer reports. I have been trying for over a year to have this removed from the credit reporting agencies, XXXX and XXXX. I have a letter from the courthouse, stating that they do not report to the credit reporting agencies. They are in violation of FCRA Title 15 USC 1681 ( a ) which Congress states Accuracy and fairness of credit reporting. They are in clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these items ( 1 ). ( A ). 

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 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 2020-07-10
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problem is not with my current mortgage company ( XXXX  : NMLS # XXXX ). My issue is with the original loan company ( Loancare MLS # XXXX ). 

Apparently my loan was sold at the beginning of the year. This happened without my knowledge as the documentation sent to me made it sound as though the mortgage was being transferred to different departments withing the same company. As such I continued to submit my payments ; via bill pay, to the same organization. 

It was not until my new company ( XXXX  : NMLS # XXXX ) threatened me with foreclosure that I realized my payments were not going to the right place. I immediately contacted my original loan ( Loancare MLS # XXXX ) company and reported the missing {$7600.00}, and opened a case to have those funds either returned to me or forwarded to my new loan company. 

The original mortgage company ( Loancare MLS # XXXX ), refunded {$3700.00}, but then closed my case with a remaining missing amount of {$3900.00}. When contacted they tried to say the refunded everything. I provided them bank statements as well as statements from my current mortgage company ( XXXX  : NMLS # XXXX ) proving the original mortgage company ( Loancare MLS # XXXX ) had not forwarded the funds to the new mortgage company. 

To date they are refusing to account for the remaining XXXX, and continually close the case when I reopen it.

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 2019-10-23
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX I was double charged for my truck payment. When I contacted Westlake financial they said they would try to money transfer it back into my account if not they would send me the double payment check via standard mail. Then 2 weeks later I reached out to them they said it didnt work. I asked to have the check resent. Then Once 8 business days had passed and I have not received the check in the mail, I called back and asked to have the check canceled and just applied to XXXX truck payment. The women told me no problem she just had to email the accounting department to have them do so. I would see it applied with 48 hours. That was Monday XX/XX/XXXX. Then on XX/XX/XXXX. ( The day my payment is due ) I received an email stating i am late on my payment. I have call numerous times asking to have it fixed and asking for a supervisor. Every time I was either told they do not have supervisors, or put on hold for hours at a time. Or just hung up on. Then today XX/XX/XXXX I called, finally was given to a floor lead person named indigo, she told me theres nothing they can do but send another email asking approval for them the send another check for the payment I was double charge. Which I could be denied for again. which will take 7-10 business days do them to start the process. but if I dont pay my payment within 8 days they are going to start charging me late fees if I dont pay it soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I have repeatly asked for a payoff of te following properties : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in XXXX. 
I am forwarding a copy of this letter to CFPBXXXX XXXX and the attorney general of the state of PA. 

I have repeatly been told that I will receive the payoffs the next during a phone call. 

I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Each time I was told it takes 3 to 5 business when tat time has been exceeded and still to this date after 50 days I have not recieved the documentation that I requested and currently a closing for one of those properties is being delayed due to non receipt of the requested documents.

Lastly, I just paid off a property and still show a payment for May? The balance has been reduced but still show a payment due. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Received unwanted marketing or advertising

Complaint:
XX/XX/19 - I was trying to pay my mortgage for Bank of America online and a pop-up came up saying there was a breach from XXXX and BOA was recommending for me to do a free credit check and to click on a link. I did and it went to XXXX XXXX website who said they would run a free credit check from all the 3 main credit reporting companies. I gave them my SSN, DOB, email, phone #, etc and then a page asked for my credit card. Then I believed this to be a scam. I'm concerned that I gave them my SSN/DOB. BOA should not allow me to be scammed thinking they were breached and going to that website.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2020-08-07
Company: ALLIANT CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank sent me a credit card promotion that expired XX/XX/1900. 

I sent bank executives an email to explain the promotion but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020

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