BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was black mold on my walls, I gave them 3 months to fix it. The complex never fixed it and the mold caused XXXX on my skin so I moved out. Then they charged me for breaking the lease but wont give me a breakdown of the receipt. I even agreed to pay them some even though i had to move out due to the condition of the apartment but they continually won't update my payment balance and want more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Im make payments on time, and ask for increasing credit line XXXX, and today them not respond, I have more than 24 months with this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax basically never lets me check my score, and I submitted a dispute with them about a derogatory account I saw was ONLY on my Equifax report ( I saw on a third party credit monitoring website since Equifax won't let me in ). I've tried calling Equifax, per the suggestion on their website, but the woman on the phone at Equifax said their " systems were down '', so I waited a few days to see what was happening with the dispute since they keep emailing me a Dispute confirmation number. I keep attempting a login, because apparently having a form where you just type in your dispute number would be just too easy for consumers, am I right? Got ta make it hard on us consumers, right? Well anyway. Their site keeps saying they can't help me online. You've GOT to be kidding me. This is not FAIR to me, as I know all of the questions I'm answering are accurate. What is wrong with Equifax? Both XXXX  and XXXX are amazing, but Equifax needs to stop being a rude company and just let me see my XXXX  dispute results for goodness sake!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ
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:
On or about XXXX XXXX, 2017, the collection agency responded to the CFPB ( Consumer Financial Protection Bureau ) advising the matter has been closed in the office. However, this agency was negligent in informing the CFPB that the information in which they reported to the major credit reporting repositories will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Date XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Today, I tried to log into BOA online to check my account. It would not let me in. When I tried to get username and password help, BOA sent emails to accounts belonging to other people. When I called BOA, they said they were aware of the " glitch '' and not sure why it was not yet fixed. Why is BOA allowed to have a " glitch '' that sends my information to someone other than me without my knowledge or consent?

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 2019-10-12
Company: AmeriCollect
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I received a letter and phone calls from AMERICOLLECT stating that I owed them payment from a Hospital Statement. I contacted AMERICOLLECT Specifically Asking for a SIGNED CONTRACT BETWEEN MYSELF AND AMERICOLLECT STATING THAT I WAS OBLIGATED TO DO BUSINESS WITH THEM. They in return created a False Contract with AMERICOLLECTS NAME AND MY NAME ON WHICH IS NOT A ORIGINAL CONTRACT. I have contacted them several times about this and they have not fixed the issue. They have reported it on my Credit Report and I also disputed it there as well. I know that these companies buy debt for PENNIES ON THE DOLLAR AND COME AFTER US FOR THE REMAINING BALANCE. The Hospital wrote the Debt off and again I Never Signed a Legal Binding Contract with AMERICOLLECT INC. IF THERE IS NO WET INK SIGNATURE WITH MY NAME ON A CONTRACT I HAVE NO OBLIGATION TO THIS COMPANY. I also Informed the representative that I was tapping the call as well and informed her that I knew that there was no signed contract between myself and AMERICOLLECT INC. Please contact me at your convenience about this matter and I Appreciate your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I certified mailed a dispute to EXPERIAN as well as uploaded dispute along with supporting documents EXPERIAN is stating that they did not receive my certified mail which was mailed on X/XX/2018 They are stating per the uploaded public record information was verified which is not true I have since forwarded supporting documentation that information was not verified through the court and would like public record reflecting Bankruptcies deleted from my profile.

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 2019-10-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Here is my latest statement-Sam 's Club MasterCard ( R ) Credit Account Services E-mail Security Zone : XXXX XXXX XXXX For your account ending : XXXX Dear XXXX XXXX XXXX : Your Sam 's Club MasterCard ( R ) Credit online statement is now ready for viewing. Login today to view your statement online. 

Due Date : XX/XX/2019 Minimum Payment Due : {$56.00} Statement Balance : {$68.00} Sincerely, Sam 's Club MasterCard ( R ) Credit Services Protect your identity, never respond to this or any email with personal information such as your account number or password. 
Note : This email was sent to you by Synchrony Bank, the issuer of your Sam 's Club MasterCard ( R ) Credit Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Sam 's Club MasterCard ( R ) Credit Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. 


This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 


The problem is- we paid the card off in full over 3 years ago. All of a sudden, we have new charges. XXXX did an investigation, and Synchrony apparently only temporarily closed the account. Now it is a new month, and they are trying again ( or an imposter ). 

We are missionaries in XXXX. We have chosen to just ignore it. But it would be good to somehow end it. It is not the money. If we actually owed it, we would pay it. But we do not. 

Please advise- XXXX XXXX Direct Line ( XXXX ) XXXX ( Eastern European Time )

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 monetary relief
Consumer complaint received 2019-10-12
Company: EdFinancial Services
State: NV
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 ; Has Fraudulent activity and Incorrect information. Also XXXX has denied me access to credit report since XXXX! 

Identity theft and freezes have been exhausted over 9 years now yet my credit report score and file is inaccessible to me, my credit report and score severely inaccurate incomplete information as well as Fraudulent activity and accounts are the reason XXXX   XXXX  XXXX XXXX etc me XXXX lock and illegally have locked me out of my credit report file since as early XXXX. 

Each Bureau for Credit Score and Reports have made no evidence of protection for me and I have multiple years of out dated and aged student loans as debt and nothing else. Yet for 10+ years now 520-580 at best us associated with my identity and USA social security number. I'm outraged Beyond Critical conditions in my life Irreversible hardships onset of unsalvageable damage that affected my children and I. Physically XXXX emotionally devasted from lack of professionalism protection and the XXXX process and procedures per each major bureau terms of service and privacy policy facilitating this. Please excuse my brevity of the prerequisite for this discussion. Collectively couldn't case file as disputes I have to continue discovering discussion about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: NVR INC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I submitted all of my documents in a timely manner in order to close on my home in XX/XX/XXXX to XXXX XXXX XXXXXXXX. Although, XXXX XXXX XXXXXXXX was not on time with the deliverables to the closing agency ( XXXX XXXX XXXX XXXX I still ensure I responded and returned all of the required documents to them in a timely manner. XXXX XXXX XXXXXXXX is supposed to issued me {$75.00}. I e-mailed them and the closing agency XXXX XXXXXXXX XXXX  e-mailed them on XX/XX/XXXX to follow up with the refund of {$75.00}. I e-mailed them again on XX/XX/XXXXto follow up and they said they sent the check out the day before, but I still have not received it. I am requesting that they refund the remainder of the funds that is warrant to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 'm a victim of the breech and also been a victim of identity theft before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have fraud alerts on all my reports due to this. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/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 2018-01-24
Company: Experian Information Solutions Inc.
State: IN
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 sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on XXXX it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on Experian it is notreporting a closed date or a last activity date. On XXXX and Experian there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on XXXX, XXXX, and Experian. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true 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 explanation
Consumer complaint received 2019-10-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of Resurgent Capital Services keeps harassing me about a credit card payment due to XXXX XXXX that I never owed. Ive sent countless messages And proof showing that I paid this account in full & never used the card again ; I cut up the card. I explained to XXXX XXXX this & they told me that when I was paying the full balance of {$750.00} that I didnt have to pay anything else ; this was XX/XX/2017. After a year or so, I then started to get harassing letters and calls from a debt collector ( Resurgent Capital ) saying I owed XXXX XXXX {$630.00}. I tried disputing this numerous times for over 2yrs with Resurgent, yet they are persistent in trying to force me to pay a balance that I do not owe. Ive even disputed this with XXXX XXXX since they lied to me and sent this fraudulent bill to resurgent so they could pressure me into paying something I never owed. While its been a problem, due to this being on my credit report, now its a huge problem that I want to go away. In which Im willing to file anything to prove my innocence of this being a fraudulent bill. Ive made a complaint with bbb.org, Im making a complaint with you all, & im filing a police report on resurgent & XXXX XXXX for harassment, and fraudulent charges. If the problem persists, then Im just going to file a lawsuit against both parties because I refuse to fight this case to prove my innocence alone. These people are savages and they need to be stopped or put out of business. Im tired of being a victim to these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, my XXXX XXXX XXXX was stolen over the holidays. I kept in touch with Kia Motor Finance throughout the entire ordeal to inform them that there would be a balancing remaining after the insurance and GAP mailed payments. The remaining balance was over {$13000.00} and I requested in writing a payment plan. I was given over the telephone a payment option of {$2100.00} per month for 6 months. I requested numerous times to speak to a supervisor so that I could make other reasonable payment arrangements so that my credit would not be damaged. Within a period of time, my account was charged off and reported negatively on my credit. As of XX/XX/XXXX, I initiated arbitration with Kia Motor Finance and XXXX XXXX. I was told that XXXX XXXX was collecting for Kia Motor Finance and the debt was not sold. XX/XX/XXXX, Kia Motor Finance did not answer to arbitration and XXXX XXXX sold the debt to XXXX XXXX XXXX. I was again informed that Kia did not sell the debt. XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX inquiring about arbitration. I was informed by XXXX XXXX that his law firm was attempting to collect and he would ask his employer ( Kia Motors ) to delete the trade line from my credit report if I could pay at least half of the balance and make payments. What I was unaware of at the time, was that XXXX was also hired to collect on the balance. I decided to settle with XXXX on XX/XX/XXXX. I have attempted to make contact with Kia Motors Fiance to request that the trade line be deleted from my credit reports as I have settled and paid in full. I have already suffered from the affects of the negative reporting by Kia Motors Fiance and I have settled for the amount that Kia Motors authorized XXXX to offer.

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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on Transunion it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on XXXX it is notreporting a closed date or a last activity date. On XXXX and XXXX there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on Transunion, XXXX, and XXXX. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true 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 explanation
Consumer complaint received 2019-10-12
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
Midland Credit Management is attempting to collect a debt on behalf of XXXX XXXX for {$870.00}. On XX/XX/2019 the alleged debt was sold to MCM. My first attempt, I sent a validation notice delivered on XX/XX/2019 certified with return receipt. My notice was ignored and MCM sent a Pre-Legal Notification dated XX/XX/2019. My second attempt I sent a Fault, Notice of Non-response, Non- Negotiable with an Opportunity to Cure delivered XX/XX/2019. My Notice was ignored and MCM sent another Pre-Legal Notification dated XX/XX/2019. My third attempt I sent a XXXXease and Desist notice on XX/XX/2019. 
Midland Credit Management is NOW harassing ( name )! 
Midland Credit Management are debt collectors and has failed several times to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. Midland Credit Management did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm. 
Midland Credit Management claims to be the current owner ( HOLDER IN DUE COURSE ) yet, Midland Credit Management has failed several times ( certified mail numbers provided ) to provide ( name ) with THE ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY  COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Navient Solutions, LLC.
State: GA
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:
I feel Navient does not make it easy enough if you want to pay off your loan early. Every other lender I deal with whether a car, credit card or personal has easy to find links on you account page for a payoff quote. Navient makes it so difficult it is frustrating ... there should be a payment option for payoff, not just " over-payment '' that does me no good. Stop trying to discourage from paying off early, I have already been paying on the loan for 15 years ...

Company response to consumer: Closed with explanation