BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had 2 accounts with Midland Credit Management , Inc. One account was roughly {$2700.00} and the other was maybe {$1200.00}. Around XXXX or XXXX of XXXX Midland turned my account over to the law firm of XXXX XXXX and XXXX XXXX proceed to file suit in the XXXX XXXX court of common pleas. I ended up settling both accounts and received correspondence from XXXX XXXX on XX/XX/XXXX that the accounts were settled in full and they are closing the files. I noticed that Midland was still reporting on my credit report but figured they would fall off. When they did not I disputed and LOST with Midland claiming that what they were reporting was correct and I owed them money. Fast forward to XX/XX/XXXX and me and my husband are trying to get a home equity lone and Midland is still reporting. I went to Midlands website and they are showing I owe on both accounts and even accepted payment for one of the accounts. They are illegally collecting on a debt that was resolved almost a year and a half ago. I called to have the payment reversed and was basically told there was nothing they could do on there end so I had to dispute the charge with my bank. I am furious because this mess up on their end is hindering me and my husband from receiving another loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo has not sent me copies of my monthly HELOC statements for two years even though I've requested them multiple times. In addition, the account has been deleted from the Wells Fargo website entirely and is showing up as " dismissed '' on my credit report from a prior bankruptcy. However, the bank continues down the path of foreclosing on the property.

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 2017-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Collector calling my home at XXXX and XXXX in the morning. I am XXXX years old and this has been frightening being awaken in the middle of the night. I have had a couple of XXXX and really can not handle these harassing phone calls. I asked the person to stop calling me because this debt has been turned over to a debt consolidation agency because my husband passed away over a year ago and I am no longer able to handle that bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Had a XXXX account in college, around XXXX, it went to collections on/around XXXX. I had an original debt collector reach out to me in that same time frame. It was removed from my credit report in XXXX/XXXX. Now, I see I have a collection from Convergent Resources , INC . I have reached out to the company that controls the debt, Convergent Resources, INC, regarding a ten year old cell phone debt. I disputed this account with XXXX ( Case # XXXX ) in XXXX of XXXX, and in XXXX it was Removed from my XXXX report for accuracy and statue of limitations, but still shows on my XXXX Report. I called Convergent in XXXX/XXXX to inform them of this, the gentleman I spoke to says it shows that I disputed the account but he could n't do anymore. I informed him that I had disputed with XXXX and gotten it removed, he said he annotate that in my file, but that he could not remove it from my record. I told him I would submit a complaint to the BBB if no further action was taken, but I hoped because I had it taken care of easily with XXXX that it would be a quick fix. As of XXXX XXXX, the debt still shows on my XXXX CR.

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 2018-06-05
Company: Conn's, 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: Account information incorrect

Complaint:
I spoke to two representatives from Conns customer service. My complaint was the principal balance was not being updated on my credit report. And has not been updated for months. 1st rep  said that she would put in a dispute 2 weeks ago. I never heard anything back about the principal balance. So I called again XX/XX/18 and the rep said she would put in a disuse. I have little faith in the stories these reps tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions 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 sent mail correspondence to all the creditors on my credit report with no resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted multiple times to online freeze my credit with Experian. 
The online response is that they are unable to place the freeze, and to send a bunch of information through the mail to them. That is insane, like i am going to use the us mail to send a social security #, dob, and other vital information!!? 


This was all necessary due to the data breach at another credit reporting bureau -  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is directed to Specialized Loan Servicing LLC also known as SLS associated with loan # XXXX. This has been an ongoing error and quite frankly very upsetting, which has not been resolved whatsoever. I have an 'approved ' loan modification with SLS , which was established in XXXX, XXXX and filed with my local county administration office ( See attachment ). 

I keep receiving letters from SLS ( XXXX ID : XXXX ) of the resolution dept.,  stating that I am requesting loss mitigation assistance and that my application is in review. Where she received that information is a complete mystery to me because I have never asked for any assistance. As stated above, I have been approved in XXXX, XXXX and have been making monthly payments ever since. 

I have talked to XXXX, ID : XXXX on several occasions and she assured me in our last phone conversation that this matter would be resolved on XX/XX/XXXX due to their 30-day cycling concerning their computer system. Well, that date has come and gone with no results whatsoever. The latest letter ( see attachment ) from XXXX is dated, XX/XX/XXXX stating the same error message about needing assistance. 

See attached letter dated XX/XX/XXXX from XXXX, ID : XXXX from the customer support dept. stating " my correspondence received on XX/XX/XXXX was initially 'coded incorrectly ' in our system. '' XXXX also states, " Please except our apologies for any confusion this matter may have caused. '' Whatever letter XXXX, ID : XXXX is referring to was totally misinterpreted by that department. Their administrative system is in need of an overhaul. There is no communication whatsoever between their departments. 

I would appreciate the Consumer Financial Protect Bureau help in this matter to get this problem resolved once and for all regarding Loan # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I SENT TRANSUNION CERTIFIED LETTER ON THE XX/XX/XXXX ABOUT UNKNOWN INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL TRANSUNION ABOUT THESE INQUIRIES, WHEN I CALL THEM ABOUT THIS PROBLEM, THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEED TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. 
XXXX XXXX XX/XX/XXXX Date of the Inquiry XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: CA
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:
Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my second XXXX. I 'm still XXXX from my XXXX side, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was XXXX/XXXX/2013. The item still appears on all three credit bureaus, and I want it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Paxful Holdings, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a complain against Paxful, Inc XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX DE XXXX They looked my account without a reason and I logged in with my email and password and I can log in so I contact them and ask me to change the password so I did and hey asked for my ip address and I did send the info now they asking for the transaction amount and date and I explain to them that the last transaction I did was 5 years ago and they not want to unlock my account so I searched online if I'm the only one. I'm not the only one have problems with this company so I decided to be one more to complain against Paxful, Inc XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  # XXXX, XXXX DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to XXXX/LoanCare, LLC on XX/XX/2019. And when I started making payments to LoanCare, they been mis-handling my payment of $ XXXX/month.

Up-to-today they haven't fix the problem, despite my numerous phone calls and correspondence. They keep saying that I'm short on my payments when in fact I been sending those payments before the first of the month. 
They keep on failing to make the promised corrections when I talked to their representatives. 
I hope that your office would be able to assist me in this regards. 

Thanks XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am trying to resolve a debt situation, whereas I made the mistake of signing on for several cell phones where relatives were supposed to pay the invoices. However, they reneged to pay directly to XXXX XXXX XXXX XXXX, or even pay me directly. I attach a settlement offer from IC System for 55 % on the dollar. That is generous, but not affordable. I am really pressed for any cash, and I respectfully request a lighter settlement in the vicinity of 20 %, or {$500.00} one time payment. I will need to borrow some of these funds, but I desire to put this experience behind me. Thank you for your consideration in this matter. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my XXXX XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.

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 2018-01-05
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just found out today that a medical bill I owed was placed with a debt collection agency. I was not notified by the agency that they have my debt and given the opportunity to dispute it with them. I tried multiple times to dispute the debt with the original medical provider. I am being charged for care I received from the physician while he was under the influence of XXXX and XXXX. He was arrested, his practice shut down, tried and admitted to it to the DEA and pharmacy board. I do not feel I should have to pay for services from this physician. He shut his office down without notification to his patients. Refused to honor my requests for medical records that I faxed to the office that was still accepting them. I was unable to find a new physician to accept me without his records or a referral and it took a year to find one that eventually did uncover my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Blakely-Witt and Associates, 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:
This company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
XXXX XXXX of Complaint listed as closed. 

Three total charges should have been reversed. AMEX reverser one of the unauthorized charges. 

On XXXX I initiated a follow up complaint. I do not see my second complaint open on my CFPB account.Therefore, I am herein resubmitting my XXXX complaint. 

Resubmission Dated XXXX of Unauthorized Charges in the amount of {$3100.00} and {$3900.00}. 



Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX IA XXXX https : XXXX XX/XX/XXXX RE : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card Representative : AMEX reversed a charge XXXX the amount of {$3900.00} charge Transaction Date of XX/XX/XXXX. This charge was reversed because of the lack of a valid electronic signature authorization. Thank you for your assistance. 

My question is why the other two charges not reversed. XXXX has not produced a valid electronic signature for any of the three charges ( {$3100.00}, {$3900.00} and {$3900.00} ). The charge in the amount of {$3100.00} and the charge in the amount of XXXX do not have valid electronic signature authorizations. XXXX has not provided an alleged authorization for either of the two remaining charges. Please see Complaint XXXX. 

I am filing my continuing complaint for a reversal of the {$3100.00} charge and a reversal of the second {$3900.00} charge which remain on my account plus credits for all interest charges, and any other fees or charges associated with the three unauthorized charges. 

Thank you for your cooperation. 

. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX Direct XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
According to state revised code : The Capital One account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Early Warning Services, LLC
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:
XXXX XXXX XXXX is reporting a checking account from bank XXXX XXXX stating this checking account belongs to me. I have tried to dispute this information and so far EWS has refuse to do anything but give me the run around. I have fax my driver license and social security card with proof of address and still they have not provided me with the report nor have fix the incorrect information. This account does not belong to me. The last names do n't even match, my last name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I spoke with Fed loan Servicing who told me that if I consolidated my loans, I would be given forgiveness based on paying said loan since XXXX. I consolidated from XXXX to them per their recommendation. I spoke to someone shortly there after regarding the increase of interest and now having to pay for another 10 years when I had only 4 left prior to consolidating and again I was reassured that my loans would be forgiven. On XX/XX/XXXX again I spoke with Fed loan servicing who now has told me my loans were not and will not be forgiven. I am now suck at a higher interest rate and my credit being pulled to consolidate due to lies. I would have stayed where I was if I would have had the correct information to begin with. Fed loan services lies to get your loans and then lies about forgiveness. I was told by 4 separate people at fed loan servicing that my loans would be forgiven, the last person said that I did not and would not qualify for 10 years. I would not have had 10 years if I did not consolidate based on lies. The last representative also would not let us speak with a manager

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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 status incorrect

Complaint:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The EQUIFAX Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}

Company response to consumer: Closed with explanation