BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I attempted to contact XXXX XXXX  because my entire history of statement was missing from my online student loan account. I was told they would send these statements to me in an email within 30 days. It's currently been over 30 days and I have yet to receive the information regarding payments I made on my student loans.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-23
Company: WELLS FARGO & COMPANY
State: GA
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:
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK AUT which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK AUT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southwest credit has harrased me on numerous occasions about a debt with  XXXX . I do not remember the ammount of debt claim to be owed because ive never owned a  XXXX  account. Furthermore the company is unwilling to show proper documentation ( signatures- original paperwork- invoices etc ) to prove anything otherwise. They wont even tell me the location of the accounts origination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: TX
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Fidelity National Financial, Inc
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
in 2004 my ex husband sold our family home the loan was obtained by fraud .lapd documents and court papers to substantiate the claim chicago title were the insurance company and after 3 years of court i was given the home back as my own property as well as a judgement for XXXX from chicago title at that point chicago title had me agree with a balloon payment for XXXX under duress chicago title had me agreeing to a 5 year balloon payment, instead of going after my ex husband the perpertrator then in 5 years one of the lawyers for chicago title made an agreement for XXXX payment for back property taxes in exchange for deed, now at this point a rental agreement for the property, i have paid over 90000.00 and facing an eviction and have been made an offer to by my home for the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with Land Home Financial Services. I went in forbearance last year but I made my payments until I was told that I could stop and came off forbearance on my own by starting to make payments before forebearance was removed. 
Meanwhile, I had passed my XXXX months PMI required minimum period and my house value went up a lot. Even with the silent second, I am at 65 % XXXX. 
I had requested several times to have my PMI removed. The customer service shows that I had late payment, which I didn't, and therefore my PMI removal request was denied. Eventhough the PMI was supposed to be removed based on XXXX alone. 
The loss mitigation department confirmed that I was never late. They sent it couple times to escalation and nothing happened. We received an email from XXXX XXXX on XX/XX/2021. I emailed him twice for update and no reply. His voicemail is always full. 
I am being charged unfairly $ XXXX and it doesn't seem like anyone at LHFS cares or willing to do anything. I have sent them a copy of my professional appraisal that I paid {$500.00} for and they didn't even bother look at it or recognize that they receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Collection Associates, Ltd.
State: WI
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:
Called and left a message with the said company asking for validation didn't receive anything from them for about a month. Another letter was sent from a said company called them again and asked if they could send information to me again and told them about the previous message left for them to send validation instead they sent a letter asking for money from a company that I didn't recognize. They have now asked me to pay money from three different companies without any validation. They have only sent me a payment schedule not only that they have hung up on me while trying to get more information about the said debt. I do not agree with their tactics on collecting a debt or trying to solve an issue with the person who may be responsible for said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Resurgent Capital Services L.P.
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 disputed items inaccurate on my credit report.This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made an extended warranty claim with Chase XXXX XXXX XXXX warranty company XXXX for a XXXX laptop  repair. 
I charged {$300.00} for the remaining balance when purchasing the laptop. Which XXXX XXXX XXXX said is fine. 
XXXX XXXX XXXX had me send my laptop to XXXX 's service center in New Jersey to get a diagnostic for the laptop. I am in California, so shipping with insurance across the country was expensive. 
The diagnostics billed was {$710.00} for a screen, battery, labor, and shipping back to me. 
XXXX XXXX XXXX had me upload the manufacturers warranty, sales receipt, credit card statement, repair invoice. 
All these interactions took XXXX XXXX XXXX days to get back each time one was uploaded. 
Which I think was intentional to frustrate card holders from making claims. 
Then XXXX XXXX XXXX came back and asked for more documents, now asking for a replacement receipt and cost of a new like replacement laptop cost. 
I do not hear back from them for days. I finally called because I had to heard back from them regarding my case. 
I called and talked to multiple agents, and they said if I could get XXXX to send a statement saying the laptop is not worth fixing due to its age, then they would move forward with a new laptop similar to my laptop old laptop. 
I contacted XXXX XXXX support via live chat and the tech suggested because of the cost of repair, I should just buy a new laptop if that was an option. Because it is a new laptop. 
So, I sent the chat to XXXX XXXX XXXX  and instead of them taking days to look at the information, this time they issued a response immediately that they are only going to pay {$300.00} and not the repair bill for {$710.00}. 
So, XXXX XXXX XXXX  tricked me and frauded me by telling me to request a statement from XXXX to say the laptop is not worth repairing, because they did not want to pay the repair bill. 
Multiple XXXX XXXX XXXX  agents straight up lied when they said the statement from XXXX would result in XXXX XXXX XXXX getting me a new laptop. 
So now I am on the hook for the remaining repair bill because XXXX XXXX XXXX decided to commit fraud to get out of paying for the laptop repair. 
I contacted Chase and they took a report but claim XXXX XXXX XXXX is a separate company and they can not do anything. Even though chase hired this company to manage its customer extended warranties claims. 

They are so dishonest. I told them I would report them and they told me " Who Cares, Report Us ''. They record all calls when calling to their customer service line. 

Also this dishonest company makes it hard to find its physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-07-12
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/21 I submitted application for a lower rate for my business XXXX XXXX, Key bank was processing a 1st mortgage on a residential property and the branch manager XXXX XXXX XXXX had offered a quote for my commercial property refinance. I submitted {$500.00} good faith deposit. The residential loan did not go as planned and was managed unprofessional and caused undue stress. I decided to withdraw my application on XXXX and requested a refund by email and was declined by Key bank. The reason for the withdraw was due to the unprofessional way the residential loan process was managed and did not want to continue my relationship on the commercial lending side. 
As a local business and account holder I am requesting the refund of the {$500.00}. If the residential loan was managed professionally I would have continued the process in goo faith. In my opinion the bank did not hold up to the good faith. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This Company is trying to collect a debt that was fraudulent from the start, I extended my credit to them. 

The violated 15 US 1605 ( a ) ( c ) This transaction included a finance charge and finance charge includes insurance which protect creditors against the obligors loss and or or property damage. And they did not include insurance in my finance charge. 

A finance charge is sum of all charges in consumer credit transaction and does not include cash this company took cash {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: DISCOVER BANK
State: MN
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:
Repeated Cold Calls from " Discover '' offering to lower my interest Rate. 

I have not had a Discover account for years. 

I have repeatedly asked them to stop calling me ; but the calls continue. 

Most recent call came from XXXX on XXXX at XXXX AM CST My numbers are in the " Do Not Call '' registry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXXXXXX XX/XX/XXXX {$65000.00}, XXXX XXXX XXXX XX/XX/XXXX {$93000.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed two accounts with Midland Funding, in their response to those disputes they stated that, I can not be sued for the debt because it was very old but they will continue to report to all three credit bureaus for missed payments or unpaid balance. At this time its hurting my credit report tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I wanted to get a full refund on a payment I made in XX/XX/2018 for a service that was supposed to be delivered in XX/XX/2018. The service - air flight by XXXX  XXXX - was totally inadequate and not consistent with what I paid for. It also caused me loose money from my salaries as the changes that XXXX XXXX made just 10 hours in advance of my flight ( booked 4 months ago ) caused me to take an urgent dayoff from work. ( If I was informed about the changes earlier I would probably be able to schedule a different itinerary to avoid loosing money, but because of XXXX XXXX 's way of doing business I was not able to do so. ) I tried to request a full refund though Capital One 's dispute system ( as I used my Capital One 's credit card to book the service 4 months earlier. ) The system gave me a weird message ( see the attachment. ) I attempted to call Capital One 's customer service and they did not provide me with the way to file a dispute. I find that way of delivering customer service by Capital One unacceptable and thus I file this complaint. Here are more detail on the cause when I paid by my Capital One credit card but suffered a lot of loss &. With the Capital One 's credit card I paid for a certain type of an air tickets - with a pre-selected seats - in 4 months advance time ( XX/XX/2018. ) I selected my seats before paying. When 4 months later ( XX/XX/2018 ) I got ready for my flight and attempted to online check-in to my flight, about 10 hours in advance. XXXX  XXXX refused to check me in. Instead they informed me that my flight ( for the upcoming day ) changed. The changes XXXX  XXXX made for me included a 3 hour earlier flight than I had booked. XXXX Personally I had no choice to totally cancel the trip just a few hours before the start. ) That made me to urgently request a whole dayoff from my work for the next day ( I planned to work and take a flight after work. ) Thus XXXX   XXXX 's short term notice changes made me loose money ( in my salaries. ) Moreover, I was not able to pick up the desired and paid for seats ( as I did 4 months in advance ) because at a few hours in advance almost all seats there taken and I had no choice. I had to sit in between 2 other passengers in all 4 flights of my itinerary ... I found the way XXXX  XXXX delivers its service is unacceptable and invasive. As well as the Capital One 's customer service did not deliver to me what's promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland funding has been harrassing me over a debt I have no knowledge of for the past 7 years. They have contacted my place of work, which they were informed by my XXXX was not allowed back in XXXX, but still did it after the fact. I have prior co workers who can testify to the harrassment as I had my workplace phone on speaker when the calls occured. They continuously send me notices in the mail trying to get me to pay. The notices I receive claim the debt was charged off in XXXX of XXXX. 
They called and harrassed me for years threatening me, cursing at me, and threatening legal action. It stopped for about a year and now that I have moved to a new state it is suddenly starting again. This alleged debt is far past XXXX statue of limitations on debt, which is 4 years. I want the harrassment to stop. This is also not on my credit report so I am confused as to why they are still pursuing me. 
I will not be paying a XXXX to this scam of a company and I want the constant attempt at communication to stop entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
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:
While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods. 

XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}

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 non-monetary relief
Consumer complaint received 2018-05-31
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Had a doc visit from XX/XX/2017. Had a XXXX copay tried to use my health savings card but Reilized it was expired. So I payed cash to the office which is part of XXXX XXXX. 
They have threatened jail time. Law suits, use very profane words when I attempted to contact them. 
I have spoken to XXXX XXXX about this and their billing told me it was paid by cash. And why am I calling them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: P&B Capital Group, LLC
State: TX
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:
On XXXX XXXX they sent a text addressed to my significant other. requesting him to call P & B asap and provided file # XXXX. The text came from number XXXX towards the end of the message it says to Stop to Stop messages. So responded stop and stated to stop calling my or texting my number because he was not at this number. I received a response that stated I responded stop which blocks all text sent from this number. 

I received another text on XXXX XXXX from a different number XXXX from the same company. I did not respond to that text message because they should have gotten the hint from the first text sent back in XXXX. 

Then on XXXX XXXX received the same text msg but this time they did not put the business name as the others but placed the same file number again. Again I did not respond to it. 

Today I received a call from XXXX from a XXXX XXXX stated that the are in the process of filing a civil complaint through XXXX County that name me and XXXX as a co-defendant and they need to speak to me or my attorney and it asks me to refer to the same case number above XXXX. We were being named as co defedants in an up coming arbitration proceeding early next week.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation