BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-02
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 i checked my credit report and noticed a debt on my account i dont know who they are nor do i have any affiliations with them nor any of there party i never signed a contract with them verbally nor electronically

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: OneMain Finance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Ridiculous high interest and criminal business practices in the state of OHIO. INTREST is accumulated daily. I've paid three times the loan amount on a 2004 vehicle. The company is ONE MAIN FINANANCIAL based out of TEXAS. PLEASE HELP THEY CANT TREAT HARD WORKING PEOPLE LIKE THIS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX via certified mail regarding an account they claim I owe in the amount of XXXX. I sent a letter stating : This letter is regarding account # XXXX which you claim I owe XXXX. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

XXXX XXXX XXXX responded with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX  bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX and I never created a account with them or the original creditor XXXX.

On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX with the same response as the first letter they sent me.

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 2020-08-02
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paramount Recovery Systems has placed 2 collections on my credit profiles in the amounts of {$1000.00} and {$1300.00}. The alleged original creditor is XXXX. XXXX XXXX which appears to be a medical facility located in XXXX TN. I have never been to XXXX. XXXX XXXX   therefore I don't owe anything. I have mailed this company twice asking the to provided verification of this debt. They have yet to show me anything with my signature or or even respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection company has been repeatedly calling me daily at both my office and cell phone. I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My I.D and social security number were stolen 2 months ago and XXXX XXXX is letting me know that i have 3 hard inquiries that i did not give permission to in the past 3 weeks.

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 2020-08-02
Company: RentDebt Automated Collections, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In regards to resolving a issue, I reached out to an attorney in XXXX and there was no way to get a hold of them to resolve this issue so now I am reaching out to the CFPB to get this resolved. 

This email is sent from an general attorney on base XX/XX/2019. 

Good Afternoon Ma'am, I have been trying to get in contact with the leasing office since we met. I have left voicemails and have not had any of my calls returned. I will draft a letter requesting information and request your deposit, additional rent, and cost for the carpets be refunded to you immediately. Because of the time difference, if it is at all possible for your husband to go to a local Legal Assistance Office, they may have better communication capabilities with the apartment complex. 

Before I send the letter, I will provide you a copy for review. Please let me know if you have any questions. 

XXXX, XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX Legal Assistance XXXX FOR OFFICIAL USE ONLY. Information contained within this document or its attachments may contain personnel information, disclosure of which is generally prohibited by the Privacy Act ( 5 U.S.C. 552a ).  Protected information included in this document or its attachments are in accordance with section ( b ) 1 of the Act which permits disclosure to individuals within the Department of Defense ( DoD ) with an official need to know. Release of such protected information outside of DoD is prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call on XX/XX/XXXX stating I needed to contact the legal department at ( XXXX ) XXXX asap. After speaking with an associate he stated that a debt from XX/XX/XXXX with the company XXXX XXXX XXXXXXXX needed to be settled or court action would be taken. I paid an amount in XXXX $ in accordance to the payment plan which would settle my debt with XXXX XXXX XXXXXXXX according to the associate. XXXX XXXX was the name of the individual I conversed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: I.C. System, Inc.
State: TN
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:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

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 2021-08-16
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Filed previous complaint with CFPB against coinbase for inability to access account. I had been locked out of my account for over 3 months. Previous complaint was resolved with ability to access my account restored. That ability lasted about two weeks and then access has been denied me again with coinbase requiring me to give proof of my identity which I did as requested. They were supposed to respond within 48-72 hours it has been over a week now and I still do not have access to my account. They have sent an email saying the case is closed. I still do not have access to my account as of XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: VA
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:
Hey are you guys doin?, I sent you my disputes on XX/XX/2021 but seem like your doin nothing. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. just what the XXXX is this???? This is clearly a violation and negligence. I am keeping record of everything because if you continue to ignore my disputes I swear Im goin to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been charged more than 600.00 in overdraft fee in the last 2 years with my banks Chase Banks. I certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I've unaware off and there are no way and no time grace where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these bank are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Debt Recovery Solutions , LLC asking them to verify the debt that said is owed. They also received a certified letter asking to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Debt Recovery Solutions , LLC was ask to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing signature. I sent them a letter twice and the information was never verified. I never have taken out a online loan with this company or any other company. They sent me a computer print out without verifying any info that was ask to verify. This company reviews look like they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago.

I explained that the agreement I had made with a XXXX representative was for a continuation of all aspects of my current service for two years at a set price.

However, after the first year XXXX  raised the price on one of the components of the service. I advised XXXX  at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX  sent a bill for early termination which I did not pay. 

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( Equiafax, XXXX, XXXX  ) answered my request for an investigation. All three came back marked, " Debt Confirmed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
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:
I have disputed inaccurate information on my consumer report since XXXX  and have been told my by XXXX, Equifax, and XXXX that they have conducted verification and validation process. However, that is not the case. In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

How are they reviewing my file when a computer generator system determines the validity of letter versus human? 

Unfortunately, every time that I call them the response is the creditors information is accurate. I have sited multiple infractions from the credit agencies as far as inaccurate information to not having consent to report my information. 

Basically nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2017I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago.

I explained that the agreement I had made with a XXXX  representative was for a continuation of all aspects of my current service for two years at a set price.

However, after the first year XXXX raised the price on one of the components of the service. I advised XXXX at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX sent a bill for early termination which I did not pay.

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( XXXX, Transunion, XXXX  ) answered my request for an investigation. All three came back marked, " Debt Confirmed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore management 's response to me is a non-response just like the previous ones. This case is NOT closed. Rushmore has one of the worst reports by consumers. There are 1700 complaints on this very site about Rushmore. Their concerns and complaints are very similar to mine.

Rushmore is not explaining how come they jacked up the monthly payments from XXXX to XXXX dollars. The escrow and insurance can not jump up by XXXX dollars. I have paid them in order to comply but from XX/XX/XXXX and now XX/XX/XXXX I have paid XXXX dollars that it is not even showing. When I called their number it says you owe XXXX dollars!!!!! That is a big LIE. 

I also paid more than 3300 do VA Dept of Taxation so in fact they are double charging me. I am asking for a supervisor or someone high up to CALLL me. 
When you call you usually get to talk to someone in the XXXX. I have also requested to know who their investor is. They have not provided that information. I am demanding what I have demanded before. Nothing is changed and their reply is a Non-reply. My house is mine and their way of charging a homeowner who is struggling to keep her only asset is deplorable and unconscious. I am demanding a reply. This company can not overcharge people and then expect no complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A few years ago I had an account with XXXX XXXX. I left that bank and did not close the account. A few years later I started working on my credit and noticed that I had a {$29.00} charge off collection from XXXX XXXX. I called them and they explained that it came from the account never being closed and that maintenance fees are what made the account overdraw. It only being {$29.00}, I agreed to pay them and have it removed from my credit report. I sent them a money order for the full amount and within a few weeks the information on my credit report updated, showing the account had been paid. I agreed to pay them because they said it would be removed from my report. Not only is it still on my report, but it does not show the original {$29.00} amount that was being charged-off. So other creditors look at my account a see a charge-off showing paid in full with no original amount. 
They agreed to remove this from my report if I gave them the {$29.00}. Reporting as is does not make it much better had I refused to pay them, because now potential creditors have no way of knowing the original charge-off amount. This is a small bank, based in Alabama, that I should have never done business with.

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 2022-08-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have years of unpaid Navient student loans. Multiple forebearances, they would never reduce my payments. My daughter and I both signed for loans. She was included in the settlement but I was not. The school owner was sent to federal prison for money fraud. I would like to know why I was not included in the settlement. The Navient settlement website referred me to my state attorney 's office and XXXX referred me back to Navient. Any assistance would be helpful thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America is charging me 24 percent interest on my credit card. I have called them twice to get this interest reduced. I pay {$400.00} per month on the card, the interest is {$240.00} a month, and i only make {$100.00} a month in purchases. Bank of America refuses to increase my creidit limit, saying that I have been pushed up against it - - but the truth is that Bank of America has pushed me up against the credit limit. THere is no reason that this company should be charging me an exorbitant interest rate that I could obtain from any predatory payday lender down the street in the strip mall that advertises on tv at XXXX in the morning. This interest rate needs to be reduced by more than half. I had good credit for years and years - I recently experienced a bout of unemployment after 30 years of an outstanding credit rating, and Bank of America is making it difficult for me to address this credit card.

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