BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: Nicholas Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I opened a car loan XX/XX/2009 with Nicholas Financial for a XXXX XXXX. The loan was for 54 months at the payment was {$330.00}. I fell behind due to my grandmother getting ill and I had to travel back and forth to Florida to take care of her until she became so ill that I had to relocate. I tried to contact them on several occasions to discuss the situation but to no avail. My car was repoed and during the I was dealing with my grandmother I couldn't give it as much attention as I wanted to. However, I did call several times as well as sent a letter. 

Nicholas Financial sold the car in question and then requested an incorrect balance for me to pay. I am now in search to obtain housing for my grandmother and I and due to this incorrect balance/charge off showing it is very difficult to do so. 

I tried to contact Nicholas to deal with this matter but this time all my correspondence came back. Unfortunately nothing Nicholas financial  promised they did. I understand I'm responsible for the loan, but I truly tried to contact them prior to getting behind in my notes, while I was behind, during the repo process and afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Byrider Franchising, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been trying to dispute this account that is on my credit report. I am not aware of this account and have asked the company to send me any Original Signed Contracts verifying this debt owed. I have made three attempts to send letters asking for all supported documents that supports their claims. This company has not responded within 30 days. 

Date Opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill a few months back about a bill in which they had the incorrect date of birth. They said they would clear the payment, but now I have received a bill saying the account has been placed in collections. I have absolutely no idea what this company is whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
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 have sent multiple requests to Equifax requesting proper validation of a damaging unknown collections account in the amount of {$75.00} listed on my credit report. I have repeatedly told Equifax that this debt is not valid and does not belong to me. Equifax has blatantly ignored these requests and has repeated stated that the debt is valid without providing me any proof. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: United PanAm Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After I tell them there going to receive their money on theXX/XX/XXXX. I continue to receive phone calls daily after I have spoken to someone the day before, It not like I'm three months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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 have been the victim of ID theft most of the items have been resolved except the one item still on the report : 1 ) Chapter XXXX Bankruptcy Docket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions 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:
on XX/XX/2018 i file a consumer complaint with XXXX experian XXXX about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX {$1000.00} and XXXX XXXX XXXX for {$310.00}

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 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These are not my accounts, I dont know who accounts these belong too can you please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
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:
LOANMART IS REPORTING A PAST DUE COLLECTION ACCOUNT ON CREDIT REPORT FOR {$13000.00} ... I DO NOT RECALL OBTAINING A LOAN FROM THEM IN XXXX FOR THIS AMOUNT. ATTEMPTS TO REQUEST VALIDATE OF THIS ACCOUNT CAME BACK WITH A WRITTEN STATEMENT FROM LOANMART STATING THEY " ARE UNABLE TO LOCATE YOUR FILE ... '' IF THEY CAN'T LOCATE THE FILE THEY SHOULD NOT BE REPORTING IT ON CREDIT AND SHOULD NOT BE AGRESSIVELY ATTEMPTING TO COLLECT DEBT ... 800 LOANMART  Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: WESTERN UNION COMPANY, THE
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transfer a money to western union and my sender has a different name in her ID's.. i call western union after a weeks and they sed the reciever can claim in 2days ... until now they canot claim the money now it is unavailable in the system ... plss help me.. they need the money by my couzen..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2021-10-08
Company: EQUIFAX, INC.
State: DC
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 wrote letters to have the alleged debt validated and it was not validated within 30 days Then, I demanded that the inaccurate reporting 's be removed from my account and they were not. In fact, the consumer reporting agency did not delete the accounts but instead reopened them and attempted to recollect. Accounts provided below : Accounts : Date Opened : Alleged Debt : US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX ( Monday ), I was scammed by individuals who claimed to be from the ICE ( US Immigration and Customs Enforcement ) and lost roughly {$3300.00}. I would like to file a complaint regarding a transaction that was made through Pay Pal which was made on theXX/XX/XXXX when the scammer hacked into my phone and had access to my Paypal. A total of {$110.00} was transferred to his email XXXX XXXX XXXX. The Paypal transaction ID is XXXX. This was paid with my XXXX XXXX card with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: MRS BPO, LLC
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On several occasions this company has sent a text message with this exact wording : " Please contact MRS Assoc. regarding a XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The most recent instance was today XX/XX/20 at XXXX XXXX. 

The huge problem this poses, not just for me, but millions of people with a debt being pursued against them is with notifications. It should be safe to assume that 99 % of all people using a cell phone normally have notifications set to show on their screen once they receive a text message. The obvious reason ( like a phone call ) so the owner of the phone immediately knows they are trying to be contacting. 

The complaint I am filing is that their wording in the very obvious manner of " collect a debt '' and " MRS is a debt collector '' create a very dangerous situation for anyone with a phone that happens to be sitting out in the open on a desk for example, with their supervisor and/or employees engaging in normal conversation. This is exactly what happened to me, which as you can imagine was extremely embarrassing. Multiple people glanced at the text message, seeing the words " debt collector '' with their eyes growing wide and very likely knew what that meant. 

This is a HUGE grey area that likely needs to be corrected within the collection industry as it sets precedents in ways for debt collection companies to " shame '' a target in a way by use of loophole ... the loophole being " text messages are allowed '' but this doesn't ensure the communication is safe or secure with the actual person. A company must always be aware of the possible access to that message being compromised if not verified as a safe means of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received in the mail a notification and offer to reduce amount owed to XXXX as a reduced balance opportunity. I never had a XXXX account.

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 2018-07-01
Company: Fidelity National Financial, Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had to ask to receive final numbers on selling my house and only received the title company Settlement Statement on XX/XX/17 for a closing that was to take place on XX/XX/17. I never received the Closing Disclosure throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was with chase card service since 1992 everytime i turn around they jack up my intrest rate.they claim it's the government doing it by law. I notice when my bill gets lower the intrest rate go up.from 1992 i suppose to have a fix rate.then went from 11. % to 14 % .call company may be 6 times over the years and they claim that im a value customer and will keep me in mind.but never lower it.so im paying high intrest fee on the money.so the last 2 years im just paying and not using the card but its a way to keep me in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CITIBANK, N.A.
State: NY
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 previously called and requested an investigation from MACYS due to a fraud transaction made in my account. I reported these fraudulent transactions and they are well aware that someone from another country was placing online orders and having stuff delivered to different addresses in different states. 

I called MACYS about this and requested an investigation. I know that while the transactions are being investigated due to fraud no late payment should be reporting in my account while this is being investigated. The problem is when the bill is generated MACYS still charges me on fraudulent transactions plus bank fees. I am not liable for these fraudulent transactions and so I will not be responsible for late-payments and interest charges. The worst-case scenario is that this is negatively affecting my credit score. The late payments  reported from XX/XX/2018, XX/XX/2018, and XX/XX/2018 should be removed from my credit report. 

Account I am disputing : DSNB MACYS - 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Overdraft fee excessive serial in a day.

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 2019-01-16
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: Account information incorrect

Complaint:
I dispute date account open for XXXX XXXX XXXX. The date account open is incorrect for XXXX XXXX XXXX account on my credit report. I am requesting that this XXXX XXXX XXXX account is deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$27000.00} XXXX {$980.00} XXXX {$590.00} XXXX {$890.00} XXXX {$590.00} CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sold my home with closing completed on XX/XX/XXXX. I received a confirmation letter from the mortgage holder, XXXX XXXX, dated XX/XX/XXXX that the account had been paid in full. A follow-up letter dated XX/XX/XXXX from a national clearinghouse in New Jersey confirmed all liens had been cleared. On XX/XX/XXXX I received an e-mail from Mr. Cooper claiming my mortgage account transferred to them on XX/XX/XXXX. The e-mail provided instructions on establishing an online account and automatic payments. Calls to Mr. Cooper and XXXX   XXXX  failed to gain resolution. On XX/XX/XXXX I received a letter from Mr. Cooper with a statement and a bill for mortgage payment on XX/XX/XXXX for the home which was sold on XX/XX/XXXX. Again a call to Mr. Cooper failed to gain resolution. I need for Mr. Cooper to cease these communications and close all references to this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, National Credit Systems is reporting false information on my credit file. I don't have an account with them and they have failed to show otherwise! 

They are violating my rights under the Fair Debt Collection Practices Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/XXXX we filed a chapter XXXX! The BMW was not included at all in the bankruptcy! I turned in the BMW in XX/XX/XXXX! And yet they are still dinging my credit without my approval! This is definitely hurting my credit rating! I feel like I'm a Target I work very hard to have very good credit and yet they're still dinging me! This is America which is XXXX, I'm sure there's many XXXX people who experiencing the same situation! Trying to destroy us for no other reason than the XXXX of our skin! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt validation letter was sent to CAPITAL ACCOUNTS CERTIFIED MAIL ON XX/XX/XXXX, XXXX on XX/XX/2020 a complaint was submitted to CFPB with regard to a debt XXXX XXXX : XXXX. CAPITOL ACCOUNTS responded to this complaint on XX/XX/2020 with explanation that this account would be cancelled and that the the have requested the tradeline for this account with all bureaus be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They contacted my husband about my debit dont know how they got his number and gave him information on my debit that he has nothing to do with his name or phone was not on account they never contact me they are calling other people that know me XXXX XXXX  cause problems between me and my husband

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX  that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nationstar Mr. Cooper Mortgage told me I was late on my payments the beginning of XX/XX/2018. I then paid the full amount they required to keep my account active. And we agreed upon an amount to be paid monthly, in a refinanced loan, which I paid on time every month. My loan has been current since XX/XX/2018. I paid every amount they told me to pay. And documents were finalized and signed XX/XX/2018. Nationstar Mr. Cooper was wrong in filing a 60 days late charge on XX/XX/2018, and a 90 days late charge on XX/XX/2018, to the Credit Bureaus. And those charges need to be removed off my credit records.

Company response to consumer: Closed with explanation