BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER XXXX XXXX MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { XXXX XXXX } { ac # XXXX } { Remove negative and late reporting information from all records from XXXX XXXX HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, XXXX XXXX is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number 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 2022-01-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022, I reviewed a copy of my XXXX Credit Report & notice Midland Funding is reporting inaccurate information Date account open states XXXX Date of First Delinquency XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: MN
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 pulled out my credit report and I noticed I have some fraudulent and unauthorized inquiries from XXXX on XX/XX/2021. 
I have reached out severally to the XXXX and Equifax which is the reporting bureau severally to delete this, but nothing has been done for more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: CORELOGIC INC
State: NV
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:
Was not aware of the hard inquires

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 2019-04-23
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/2019 I received a letter from a company calling themselves Convergent Outsourcing Inc . The address for their business is PO Box XXXX XXXX WA XXXX OR XXXX PO Box XXXX XXXX PA XXXX They are attempting to collect {$18000.00}. As I have never had any type of account with them at all. I sent the a debt validation request. Then I started to do some online research and I find that they are indeed a scam. I believe they are attempting to perpetrate a fraud upon me and I am requesting your assistance.

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 2019-04-23
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I had my ID stolen. The thieves opened a credit card acct. and bought or attempted to buy cell phones from several companies. I opened reports with the FTC, XXXX XXXX County Sheriffs ( report # XXXX dated XXXX, XXXX ( report # XXXX dated XX/XX/XXXX ), XXXX  XXXX and put a freeze on our credit. All companies affected did investigations and found the activities to be fraud and I had no involvement. XXXX XXXX sent me to a debt collector : XXXX XXXX acct # XXXX. XXXX. They sent me a letter dated XX/XX/XXXX demanding {$3300.00}. I called XXXX and provided them the Sheriff 's report number, the XXXX report number and they said they would report it to XXXX as fraud and to disregard the letter. I received a second letter from XXXX dated XX/XX/XXXX demanding the debt be paid. I sent XXXX a certified letter on XX/XX/XXXX with the same information and report numbers I gave them the first time. I received a letter from a new debt collector for XXXX : Waypoint Resource Group dated XX/XX/XXXX, acct # XXXX demanding the same {$3300.00}. I have tried to settle this with XXXX XXXX XXXX. ( XXXX ) with no luck. 
XXXX XXXX. Waypoint XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: NY
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 received a notification that XXXX XXXX placed an inquiry on my credit. I did not request this and do not have XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Ad Astra Recovery Serv is in violation of practice of usury. According to State Statue for " legal loan interest rate '' Title loans have APR 's of over 200 %. That's fraud by misrepresentation. United States Code 931 ( a ) ( 1 ) Co
ntract is automatically void

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This bank is crazy they treat me horible over the phone when I call customer service they tell me not to call they dont believe it is me have me go to branch for everything and whats worst is now a nasty lady calls me from their fraud department telling me that shes closing my account and the bank has decided to end their relationship with me for no reason just for calling and they said its suspicious their crazy I hate this bank and I will report them and go to court and tell the judge how they treat me are abusibe on the phone towards me and are closing all my account for no reason my credit card which I applied at the branch recently its unfair when I have done nothing illegal and have maintanined my student checking in good standing they want to do this to me and for applications when I only have XXXX credir card I dont understand these people

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 2021-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my XXXX consumer report I have 3 inquiries that I have no knowledge of the first being 1. XXXX XXXX dated XX/XX/XXXX 2.XXXX XXXX XXXX dated XX/XX/XXXX 3. XXXX date XX/XX/XXXX On my XXXX I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX 2. XXXX XXXX dated XX/XX/XXXX 3. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted XXXX and XXXX also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Currently Freedom Mortgage Corporation is blocking me from submitting my payment online. I have had to pay my mortgages over the phone and work through their {$15.00} phone payment process. I have asked them to fix this since XX/XX/XXXX. Their tech, XXXX at extension XXXX was supposed to call me and work this out. He has several messages from me and the latest we set up a time for today, XX/XX/XXXX XXXX XXXX to resolve and he was a no show. I can only conclude that FMC is now blocking me from making electronic payments. This goes along with their threats, RESPA violation, refusing to pay their bills and refusing to send me the required closing docs I have repeatedly ask for and have not received. 

Thank you, 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 2017-07-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My son XXXX XXXX XXXX XXXX last Saturday. He was attending XXXX XXXX College a few years ago. This college went out of business. Originally, this was a parent plus Federal Loan and then Navient took over the loan. We have {$5000.00} left to pay on this loan. I have been paying XXXX XXXX dollars a month on this loan. I called the company and they said I was responsible for this amount. Even though I have always paid on this loan every month, they upped my rate to {$130.00} a month and will not forgive the loan. I am grieving for the loss of my son and having to pay funeral expenses at the same time. I was hoping this company would forgive this loan, but were totally unsympathetic on the phone and are making me pay the loan off. This company is a predatory lender that takes over Federal Student Loans and charges parents for students who are dead. My next action is to take them to Small Claims Court if nothing can be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX a Consumer with Capital One, I have called the Company to pay the remainder of my Balance with interest in one final payment. Within the last two Days I was told.I would not receive a XXXX Balance, although the billing cycle is billed XX/XX/2019 to XX/XX/2019. I was told that I would.have to.pay interest on a XXXX Balance after XX/XX/2019 on the closed.account. I have no intentions of paying any monies after my final payment is posted in this current billing cycle on a closed account. I have requested the phone number to their Legal Department from the call center Customer Service. The refusal to provide me with this number and information to as why I will receive a billing statement on future billing cycles is in acceptable..I have spoken with an Attorney who suggests I inform your Office of this situation and that I fax the XXXX billing cycle statement with XXXX balance to your Department. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sir/Mam : I`m a XXXX veteran. I`m XXXX I had a apartment fire which destroyed my apartment. XXXX XXXX move me to another apartment I tried to have my lights turn-on, but XXXX XXXX did a credit check they said I had a fraud alert. I sent equifax the information so they could identify me. They told me it would take 3 to 5 business days it`s been two weeks now they are telling me thirty days now. 


Thank, Thank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX, Nc XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions is in violation of federal law. In my initial letter on XX/XX/XXXX requesting verification of the alleged debt they have placed on my consumer report, I stated " ASIDE FROM PROVIDING WRITTEN VERIFICATION OF THIS DEBT, do not contact me about this debt. The Fair Debt Collection Practices Act requires that you honor this request. '' In the letter, I also request that they cease reporting the account to credit agencies until after they have verified it, per federal law. 
On XX/XX/XXXX, I received another of many harassing phone calls from Sequium Asset Solutions. In response, I informed the representative that I have sent a letter requesting verification of the alleged debt, and demanded that Sequium Asset Solutions stop calling and contacting me about the debt until they have sent written verification. This is in keeping with the Fair Debt Collection Practicies Act, which states that upon the consumers request for verification, a collector must stop ALL collection activity until they verified it.

As of XXXX, Seqium Asset Solutions NEVER responded to this request, which is a violation of the Fair Debt Collection Practices Act. On XX/XX/XXXX, in response to my complaint to the Consumer Financial Protection Bureau, representative XXXX XXXX from the Corporate Compliance Office LIED in her statement that this account has been closed due to a cease and desist order. As a corporate compliance officer should know, asking not to be contacted until verification has been sent is not a cease and desist order. 
The likely reason that a cease and desist order that I DID NOT IMPOSE has closed my account, rather than providing the requested verification of the debt is because NO SUCH DEBT VERIFICATION EXISTS. In a sloppy effort to conceal the fact that they are knowingly collecting debt that has not been verified, Sequium imposed a cease and desist on my account to escape their legal responsibility for procuring verifiable documentation. Sequium Asset Solutions has been FRADULENTLY collecting on and alleged debt that I do not owe. I will also be submitting a complaint with the federal trade commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a wire to Coinbase for US {$3000.00} on XXXX XXXX. Due to a name mismatch with the account I used to wire and my receiving account at Coinbase, Coinbase claims to be unable to credit my account. I have called Coinbase dozens of times and opened numerous cases with their support staff but am generally unable to get though due to " high call volume ''. When I can get through, the staff opens a case and claims they will have a " specialist '' look at it. It has been more than two months and I have not heard anything from anyone.

Based on the lack of an real customer support at Coinbase, I contacted my bank and had them reach out to Coinbase 's bank directly, XXXX XXXX XXXX. XXXX XXXX XXXX has request that XXXX XXXX XXXX reverse this wire 5-6 times but they have yet to even respond to this request. It has been more than two months and neither XXXX XXXX XXXX, nor Coinbase have come back to me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received several harrassing phone calls from National Credit Adjusters on behalf of balance credit and the people I spoke to were extremely rude. I requested for them to send me a letter via mail or email to verify the account or amount of money, with complete breakdown of the loan balance amount. They refused to do so stating they 've done so in the past and will no longer send me anything to verify the debt. The person I spoke with tried to coerce me into a payment or payment arrangement of a loan that has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I fell upon hardship during Covid-19. I lost my primary job and was placed on furlough for my secondary. On XX/XX/XXXX, I was laid off permanently from my secondary job. When I spoke to the loan company, ( Capital One ), about having offer letters and starting back to work, they seemed less interested in trying to help me. I also complained about the fact that I attempted to answer the phone from the company on multiple occasions and the agents would hang up immediately. I have complained about the agents hanging up for the better part of 3 years. I think the company is attempting to tack on fees in order to turn my account over to collections and are attempting to threaten my credit with a blemish in an attempt to make me pay more quickly. I also think that agents were hanging up so that they could document non contact in order to send the account to collections. I have only ever had one contact with the company by mail starting XX/XX/XXXX and that was after I told them that I had gained employment and they stated they were no longer willing to work with me to get the payments up to date. When I called them, I was told it would take 24 hours to get back to me and no one ever did. On other occasions when I asked for the Office of the President, I was told that I could not be transferred there, they were unavailable, or they refused to transfer me to a Supervisor or Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Midland credit management has came a few times to try to serve papers the lady comes in a with her minor children and has cussed out my father in law and told him she's just going to have the police come and arrest me. She has even gone to our neighbors to ask where I'm at and where I work how can she catch me cause she's going to get the police to come arrest me. Midland credit management has already taken out money from my bank but refuses to credit to any account. When I've called the lady 's that answer just yells " you owe us money anyways the police will deal with you I'm not giving you any information on your debt " but if I start the phone call with I'm recording this conversation too the line gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ACCOUNT RESOLUTIONS INC. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me the following 4 collections for the last few years. 

1.Account # XXXX for {$990.00} 2.Account # XXXX for {$940.00} 3.Account # XXXX for {$1500.00} 4.Account # XXXX for {$860.00} The collections have been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've been actively disputing these charges since last XXXX, and was able to get them removed from my credit report later last year due to them not being able to verify the debt. Unfortunately they were reinserted without notice or verification. This last dispute was the final straw. As they continued to send me no proper verification. These charges are currently on my XXXX and XXXX but not on XXXX. Its been a mess.

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 2019-04-24
Company: EQUIFAX, INC.
State: AZ
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 following accounts and credit inquiries listed on my Equifax credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX . XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my loan to XXXX XXXX XXXX XXXX online. Because their website is so awful, I could n't find the exact payoff amount, so I estimated. I overpaid them by {$100.00}. I called them immediately and they said that when the payment cleared, I would be sent a check within 10 days for the refund. The payment cleared on XX/XX/XXXX. I did not receive a refund check, so called the first part of XXXX. I was told that Hurricane XXXX had shut down their XXXX office where the refunds are processed ( never mind that 22 days lapsed between my payment clearing and Hurricane XXXX ), but that the office was open again and a refund check would be issued immediately. That was 3 weeks ago. Still no refund. Every time I call customer service I 'm given the run-around and told that they are issuing the check immediately, then it never shows up in the mail.

Company response to consumer: Closed with explanation