BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Gurstel Law Firm, P.C.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended XXXX XXXX XXXX in XXXX XXXX, Missouri.We entered the agreement through fraudulent enticement and coercion as e.g. our letter filed with the XXXX County Courts of Wisconsin on XX/XX/XXXX. 
Our cases XXXX and XXXX were heard separately. Unfortunately our letter was a day late for my case and I was unable to make an appearance the day of court because of being on the road. 
The court ruled in favor of the plaintiff for the amount of {$7000.00} plus {$800.00} for costs and disbursements, with the total damages being {$7800.00}. 
On XX/XX/XXXX XXXX 's case was dismissed. XXXX appeared for her court dates and testified against the XXXX revealing the multiple incidents of XXXX and other forms of harassment we experienced together as we attended XXXX. The school 's attorney didn't deny the accusations, rather chose not to argue and allowed her case to be dismissed. 
I experienced the same treatment. XXXX and I were seldom apart during our attendance of XXXX XXXX XXXX. My tardy response and inability to appear in court makes me liable to pay the judgement. 
The Gurstel law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI.XXXX, now represents XXXX as a debt collector. I was informed by a representative from their company that I have paid {$16000.00} to date on the my debt that the judge ruled to be a total of {$7800.00}. I was also informed by the Gurstel firm that the amount I owed is {$10000.00} plus interest of {$9300.00} for a total of {$19000.00}. 
I just received in the mail a notification of garnishment for the remaining balance of {$3700.00}. This incurs a daily interest of {$1.00}. 
I may be bias, but this seems absolutely ludicrous. 
XXXX and their attorneys chose not to argue against my wife 's testimony of fraudulent enticement and harassment and her case was dismissed. Knowing full well that they would collect her amount from me plus another tuition in interest. 
So, the school is better off treating their students unprofessionally until they leave unsatisfied and traumatized because they will make more money in collections. 
Unbelievably Violated, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, INC.
State: NJ
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've already sent three hand written letters dating back to late XX/XX/2018 directing Equifax to remove the fraud alert on my credit report because it is giving me issues applying for credit. 

I always identify my address as " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX ''. However for some reason Equifax likes to drop the " XXXX  XXXX '' and reject any proof of address I send over and over. 

I want the fraud alert removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: Convergent Resources, 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:
I have a XXXX account that XXXX XXXX is reporting on my credit. This account is past is statue of limitations and company is still reporting it as a new collection. The account was closed in XXXX with no balance but a deactivation fee was applied without my knowledge. I have disputed it with XXXX since and it was removed off my report in XXXX. It seems XXXX has bought invalid debt and is illegally reporting this on my credit.

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 2018-12-17
Company: WELLS FARGO & COMPANY
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX, I was in the XXXX XXXX XXXX and a girl sent me a check for her security deposit. However, she sent over {$3000.00} and claimed it was also for her leasing car. So I transferred {$1800.00} since my balance was showing the authorized transaction of {$3000.00} already. However, after 12 hours, I looked back, the bank revoked my check, and I lost that amount of money that I transferred. The bank here is Wells Fargo. However, I believe the situation is universal to all banks. They will deposit your check right away, and scammers use this way to try to make you transfer the money before the check got bumped out. And Wells Fargo did not try to help me since it was my act to transfer the amount. However, the check was cleared on their system, only after then I transfer the money. This is a flaw that should not be in the banking system at all.

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 2021-03-25
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Im not sure what the collection is even for. The company calls and asks me for personal information before giving me details of my debt. However, I keep track of any bills I owe, so this was strange to me. I told them I would not give them personal information over the phone. The clarified that they had all my information, they just needed to confirm my identity. So, I asked for them to send me a letter with the debt, and then I can prove legitimacy. In todays world its hard to tell what is a scam. Plus, when they call, my phone blocks the number as scam likely so I have no idea the actual number they are calling from.

They refused to send a letter and have since called me anywhere from 3-5 times every day, Monday - Saturday, for the past year. I will ignore the call and they will call back immediately. Sometimes itll take them hours, other times just minutes. However, they always call back. 

Ive spoken to multiple people and told them I will not give out person information to a creditor that will not verify information nor send me a letter of my so called debt, as I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: NJ
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:
Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from XXXX  and 4 from equifax i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, XXXX  and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX   XXXX XXXX {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 30 days late starting XX/XX/XXXX ( all 3 bureaus ) 60 days late as of XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. My payments are on autopay, so this makes me even more confused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/1985 to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : FEDERAL ADJUSTMENT BUREAU INC # XXXX, XXXX XXXX XXXX # 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 2018-03-29
Company: Experian Information Solutions Inc.
State: TX
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 requested all fraud alerts and freezes to be removed from my credit report. And it was not.

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 2020-11-13
Company: AES/PHEAA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX, XXXX XXXX US XXXX XXXX XXXX. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed an account placed on my credit by this company. How do you want me to pay a debt but have yet to verify who or what you are? Furthermore, if the company as yet to validate the debt it is not fair practice to keep placing this on my credit! Collecting on a debt but refusing to send proper validation! Unbelievable!

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 2018-12-17
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a CitiBank credit card so that I could earn money back and received one with {$3000.00} limit, the end of XXXX. I used it a couple of times and the total was {$97.00}. On XX/XX/XXXX, the card was put on hold. When I called, they stated it was due to my social security number being incorrect and I needed to verify it with a form. I did not understand, so I asked to speak to a supervisor. The supervisor stated that it was a normal procedure to have the social security number verified and that a form would be mailed and once verified, the card would be re-activated. I received the form, filled it out completely, mailed back all pages plus a copy of my social security card. Some weeks later, I received a letter stating that they could not verify the social security number and to please call. I called and they stated that I was missing a page, the second page. I had read the forms in its entirety and knew I had sent the forms back in correctly. With all the frustration, it wasnt worth the card, I stated that I would just like to cancel the card. I was informed that I could not cancel the card without verification of who I was. My question to them is, you wont take the card off hold because you say you cant verify who I am. Im now requesting the card to be canceled, but you cant cancel the card because you cant verify who I am? It does not make sense. They stated that they would re-send the forms and once verified, I could cancel the card. I received the forms, called them to ensure that I completed everything and included all pages as requested. Completed forms, placed ALL pages I received back into an envelope and mailed back off. Then on XX/XX/XXXX, paid off the balance of {$97.00}. On XX/XX/XXXX, I received an alert from XXXX XXXX. The credit card from CitiBank was now showing on my credit report and Transunion showed that I had a {$0.00} balance. Today, XX/XX/XXXX, I called back to Citibank to verify they received the information requested. They informed me that they did, that they received it on XX/XX/XXXX, but that it was missing the second page. Now, I dont know who is eating the second page, but this is the SECOND TIME I have mailed in the information, even contacted them the second time to ensure that ALL information and pages was included and still Im getting that they did not receive all paperwork. This is ridiculous. I cant have a card activated because they say I cant prove who I am, yet I cant cancel the same card that is ON MY CREDIT REPORT, because they cant prove who I am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously used XXXX XXXX  as my auto insurance provider. I contacted this company and canceled coverage due to their high costs, and notified them over the phone. The amount of insurance paid was always deducted monthly through ACH payment, and after this was canceled the payment stopped being deducted and I should not of owed any additional money. However this company is stating that the policy was not canceled and they continued billing me until XX/XX/18 and are stating that I owe them {$1700.00}. This is fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2020-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CCS Financial Services, Inc.
State: MD
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:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : CCS, ACC # XXXX. 
XXXX did remove it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Midwest Acceptance Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a loan from Midwest Acceptance in XX/XX/XXXX, and the vehicle was repossessed in XXXX. The account is showing open as of XX/XX/XXXX, however The account was open on XXXX XXXX. Information is inaccurate and defamation of character when I did not have that vehicle a text the beginning of XX/XX/XXXX. Secondly this vehicle was charged of & closed on XX/XX/XXXX, but is still reporting late payments and incurring interest. I called the office on XX/XX/XXXX & spoke to someone who was extremely rude and was threatened that they will keep reporting until the debt is paid off. The rep told me that the balance is incurring interest because i have not made a payment but thats not possible if the account has been charged off and closed. I Am asking that this account be closed and taken off my credit report as it is reporting inaccurate information, showing inquiries that i have not agreed to, charging interest on a closed & charged off account. This is grounds for removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have a Man coming to my house saying they are going to have me arrested if I do n't pay so much to them on a loan from Security Finance Company of Tennessee. I am Filing Bankruptcy with XXXX XXXX Attorney of Law in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
On or before XX/XX/XXXX, XXXX XXXX sent letters stating that I didn't have homeowner and flood insurance. I then received a letter that the property taxes were paid by XXXX XXXX on XX/XX/XXXX. I contacted XXXX and explained that the property taxes were not due until XX/XX/XXXX. I faxed them proof of the homeowner and flood insurance on XX/XX/XXXX. I then faxed the Hazard Insurance on XX/XX/XXXX and also proof of property taxes paid XX/XX/XXXX. I then received foreclosure documents on XX/XX/XXXX which then I filed a Motion for extension on XX/XX/XXXX to seek legal counsel. I hired an attorney XX/XX/XXXX which I had to give a retainer to. The motion for the foreclosure was dismissed on XX/XX/XXXX but I didn't become aware of it until XX/XX/XXXX. This was an error on behalf of XXXX XXXX due to the property, hazard and flood insurance were in effect and paid in full as agreed under our contract.

Company response to consumer: Closed with explanation