BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company called Convergent has repeatedly called me several times over the last few months and not answered when I pick up. XXXX. They have called me at different times of the day, a few times at XXXX. I have no debts at all and can't understand why they keep calling me? I have in previous years experienced debt collectors asking for someone that is not even me! I have not been answering them recently and left my answering service on, but still no messages are left. It has become annoying! I did set my caller ID to hide my call this morning and got through to the Convergent company ; All I heard was whether I was XXXX XXXX? But I am not! Obviously there is someone out there using my phone number to avoid debt collection.

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 2018-10-16
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX XXXX. I do not owe USCB XXXX for medical bills. Somehow they are reporting it on my XXXX credit report. I believe they have the wrong person. I have attempted to have this investigated but all they want to do is collect. The bills are not mine. The accounts numbers listed are : XXXX, XXXX, XXXX. USCB does not have any listings where you can call them. They make it impossible to contact them to do anything but pay them. They only have a pay website. They do not provide their contact info on the credit reports. 
This is what their website says : " USCB XXXX is a leader in providing innovative business process outsourcing and accounts receivable management solutions to some of the largest private and public institutions and healthcare providers in the Nation. Utilizing " best practices '' and leveraging decades of experience in the XXXX and XXXX XXXX industry, USCB XXXX delivers to its clients customized, turn-key XXXX XXXX XXXX that improve cash flow, streamline workflow processes, reduce administrative redundancy and optimize XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I cancelled an auto charge from a separate company to my credit card through Capital One, which at the time had a XXXX balance, in XXXX XXXX, but it hit my credit card account anyway in XX/XX/XXXX. I left for XXXX XXXX bootcamp and was gone for training throughout the delinquency reported on my credit reports, so no way to access the information or resolve. I found the charge and called the company to request assistance resolving the issue ; was told there was nothing they could do. They aren't giving me a chance to even try to resolve this issue though I had no way to do anything previously due to military orders. I'm requesting the adverse information reported be removed and my excellent credit score restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: ERC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was recently contacted by Enhanced Recovery Company regarding an alleged debt. Not only did the alleged debt have the wrong name but Enhanced Recovery violated several of my rights outlined under the FDCPA. I have enclosed proof of this along with a photo idea proof of my receipt where I contacted them directly via certified mail with tracking. Below is a list of violations by Enhanced Recovery Company Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692e ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692c ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 9 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Exhibit A is Attached Below

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX County Tax collector returned my {$1600.00} to Sun Trust Bank in XXXX, FL on XX/XX/XXXX, electronically, to be returned for credit to my XXXX XXXX XXXX XXXX   account, by the same means they received it that same day. Sun Trust Bank sat on the funds for four days before sending it back to my account electronically on XX/XX/XXXX via XXXX. 
XXXX has not yet put the funds back into my XXXX XXXX XXXX XXXX account. 

( Due to my week long investigations, I have learned that XXXX XXXX XXXX uses their own software to send funds over XXXX. If this is true, Sun Trust may have used the regular XXXX  channel instead of the XXXX XXXX XXXX channel they received them on, and the funds are in limbo due to Sun Trust mishandling of them. )

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 2018-04-17
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I opened a joint ( installment acct ) in XX/XX/XXXX. The terms were for 98 months. It is now XX/XX/XXXX. I feel it is pass the deadline date of 7 years ( bad debt ) and 10 years ( good debt ). It is in charge off status. The amount that is reported as owed is {$1.00}. I can give them a {$1.00} to clear that up. The past due amount reported is {$2200.00} ( although the amount should be lower because payments have been made ). It is reported that the 1st delinquent date is XX/XX/XXXX. The major delinquent date is XX/XX/XXXX. This account has been delinquent since the 1st payment. The past due amount is late charges. The principal has been satisfied. The past due amount would not be that high if those delinquent dates are true. I think it would be much lower than that. I feel that dates reported are not accurate. When I look at my report it has a lot of 30-59 days past due on it. It states that it is not to be removed from my report until XX/XX/XXXXor several years from now. The other name on the account has set up a payment agreement with them for payments to be made until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out ... 


-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 2023-01-20
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts 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 2020-06-26
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is serviced by Midland Mortgage, i asked for a forebeareance under the CARES Act in late XXXX. sent them paper. the had no response but in process, then told me in XXXX that they turned it down on XXXX XXXX. they claim that XXXX is my Lender. according to public records the loan was sold and securitized, i believe by XXXX XXXX. i am now in default with a special servicer, they claim they are not a GSE and therefore no Cares act. 
the law says any involment with Govt. even with securitized is eligible for cares act forebearance. by my states mandates i cant pursue actions against tenants and cant even put demand letters .totally unfair that XXXX  , midland mortgage., owned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX pass through certificates facilitator thru XXXX XXXX all get Government Welfare and the consumer doesnt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Credit Karma, LLC
State: WV
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:
There is hard inquiries on my credit report that were fraudulently done and there is old collections accounts that I disputed forever ago that either do not belong to me or the accounts were charged off at the end/beginning of new year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: MORTGAGE FIRM, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called customer service XXXX to confirm that new mortgage had received payment and additional funds had been applied to principal. Two separate payments are being sent for the monthly payment to mortgage company. Talked with rep and then supervisor. They said they dont accept partial payments and this would cause errors. I received my statement for XXXX showing an overdue payment of {$480.00} when in fact 2 partial payments of {$700.00} had been received by this company 3 weeks earlier well covering the {$1100.00} payment. I called again on XX/XX/XXXX and talked to 2 different reps and the 2 supervisors, XXXX and XXXX. I ask to speak to the quality department or their manager but they both stated that there was only the supervisor. I only ask that the funds sent to them with my account number be credited in a timely manner every month to my mortgage. They are unable to do this. I am sending them my money to pay on my mortgage and this company can not guarantee where my money will end up in their payment process. This is unacceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection agency refuses to provide me with my handwritten signature that this is my debt.According to the FCRA this unauthorized unverified account must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Remitly, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This company closed my account violating my user rights. I had my account since 2018 and I had never had any problems. I used a virtual card from my bank to send money. The platform uses the method of verifying the card before processing any transfer. Verification is done by sending a 4-digit code that can only be obtained directly from the bank. In my case, I carried out the entire corresponding process so that my transaction was successful. 
However, when I called customer service, the person who attended me transferred me to another department. The representative asked me to validate all the information and with respect to the transaction I explained that I have been a customer for 2 years and I always use remitly respecting the use and verification policies. However, the representative was rude and said that she closed my account for fraudulent activity. Never in my life have I committed fraud and less for XXXX dollars. I use XXXX XXXX and have never had a problem sending remittances. 
However, Remitly and her representative acted arbitrarily and closed my account. They have all my personal information, debit cards, bank accounts and my passport. 
This company morally mistreated me accusing me of fraud or illegal activity. I never had or have had problems and I am not involved with that type of activity. THEY DON'T ANSWER MY CALLS, THEY DON'T ANSWER MY EMAILS. 
MY EMAIL IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Nelnet, Inc.
State: MA
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 Nelnet student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, Nelnet was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: ERC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I received a collection notification from Enhanced Recovery Center in regards to doing business with XXXX the amount of {$1200.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employers : XXXX XXXX XXXX XXXX : XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXXXXXX 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 XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXXXXXX 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 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 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 2021-08-06
Company: Bread Financial Holdings, Inc.
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: Reporting company used your report improperly

Complaint:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Comenity Bank violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

Company response to consumer: Closed with explanation