BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a XXXX letter from Midland regarding a charged off XXXX  account that I could no longer pay due to hardship in XXXX for the amount of XXXX which more likely includes collection fees. At the time I explained that I could not pay due to dealing w the death of a parent and am currently dealing w my fathers illness that is ongoing. When I offered to settle the account for 20 % I was told that want acceptable and the harassment through calls and now letters continue. I am also dealing with the side effects of major surgery. Midland had not sent me any additional letter until today as we have issues w the mail. And I have not gotten a bill from XXXX since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: Experian Information Solutions 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:
On XXXX XXXX, XXXX I, XXXX XXXX XXXX sent over to the repositories XXXX, XXXX and Experian XXXX Validation notices. 

I have contacted your organization twice before XXXX XXXX, XXXX and XXXX XXXX, XXXX. Have n't heard anything in regards to erroneus information on my credit reports. 

I am attemping to purchase a home for my family. And would like to make that an American Dream of mine. 

Sincerely, 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 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX, XXXX I, XXXX XXXX XXXX sent over to the repositories TransUnion, XXXX and XXXX XXXX Validation notices. 

I have contacted your organization twice before XXXX XXXX, XXXX and XXXX XXXX, XXXX. Have n't heard anything in regards to erroneus information on my credit reports. 

I am attemping to purchase a home for my family. And would like to make that an American Dream of mine. 

Sincerely, 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 2021-11-09
Company: EQUIFAX, INC.
State: PA
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:
I was unable to get my free credit report and credit profile after I answered all questions correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: AL
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 reported a loan in my name, which I did not take, for {$500.00}. The loan is currently in charge off and has been delinquent since 2018, per my credit report on equifax, and I have tried disputing it multiple times with no avail. I have never used XXXX  nor have any accounts with them, so whenever I contact them about the loan, they tell me I am not in the system and they can not find validation for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: PA
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 have sent EQUIFAX a dispute about unauthorized inquiries on my consumer report and they keep saying that they verified that these inquiries were factual but did not provide me with the proof that they are. I do not recognize these inquiries and nor did I authorize the said companies to pull my credit. I contacted the listed companies and they informed me that they were never contacted by EQUIFAX to verify anything and they advised me to file a dispute with EQUIFAX again to have these inquiries removed. I even submitted FTC with my dispute and EQUIFAX has yet to remove these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: BBVA FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear XXXX, XXXX XXXX XXXX recently declined from over XXXX to less than XXXX because a credit card company ( BBVA Compass ) has been posting a delinquent account on my credit report. I have not received any written notification of the debt or my right to be able to dispute this debt. I have not received a single phone call or letter from this company. I called them multiple times in the month of XXXX to try and settle this alleged debt by paying off the amount they were requesting if they would remove their negative account from my credit report. 

They have still not sent me a written notification of the debt despite my email and phone calls on XXXX XXXX, XXXX in which I gave them my most recent address. 
The person I spoke with was collection agent XXXX XXXX ( XXXXXXXXXXXX, XXXXXXXXXXXX, phone number XXXX XXXX. I have called this number back several times over the last few days in an attempt to settle this alleged debt and have the negative information removed from my credit report. However, after being on hold for over an hour, I have not been able to speak with anyone. 

I am a physician with a very busy schedule and a high patient volume. I really can not afford to spend so much time trying to settle a debt for which I have received no notification to date. I believe that in order to protect my rights as a consumer, an intervention from the CFPB is urgently needed. 

Thank you, XXXX, XXXX XXXX XXXX off on writing full name as per guidelines above )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My XXXX account was opened on or about XX/XX/2019. I was supposed to receive a {$50.00} promotion for meeting the terms within 60 days. I met the terms and the {$50.00} was due on XX/XX/19. However to date, the funds have yet to be credited to my account. I have contacted Wells Fargo on over 5 occasions and was advised it would be credited no later than XX/XX/19 but still have not received the funds as of XX/XX/19.

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 2021-05-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On several dates ranging from XXXX XXXX XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and XXXX  Data breach and have got no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: Miller, Stark, Klein and Associates
State: IL
Product: Debt collection
Sub-product: I do not know
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:
I have received XXXX voice mail messages over the past couple of days. They were automated and difficult to understand. I basically heard part of my name and they said it was an urgent matter regarding my social security number. I do n't have any accounts in collection so I assumed it was the wrong number. Today I received a message from " XXXX '' from MSK & Associates Mediation. He said my social security number, name, and XXXX were involved in a " concerning matter ''. They also said they attempted to contact me at my home address which is not true. They are threatening to get a warrant for my arrest and contact my place of employment and/or immediate relatives. This concerns me because I do n't know what " debt '' they are referring to and I am worried that they have my SSN and other information. The contact number is XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted XXXX c/0 PHH Mortgage Services XXXX. XXXX XXXX XXXX  XXXX, NJ XXXX by phone regarding a letter I received from on XX/XX/XXXX that suggested they haven't received several mortgage payments since XXXX, XXXX. The person I spoke with was no help, but suggested I fax to them copies of certified checks that were mailed to them. This company has a history of mailing notices that my mortgage is delinquent when it isn't. I wrote to CFPB in XX/XX/XXXX to complain about these practices and the complaint was investigated, but here we go again. The person I spoke with at PHH stated that nothing can be done until they receive faxed copies of my payments. One of many questions I have about this continued nightmare is how is it fair practice to constantly badger me to send copies of checks they have cashed? I have been in my home since XXXX and badgered by one mortgage company after another that implied they weren't receiving payments. Before PHH it was Ocwen, before them was a trail of suspicious companies ; beginning 23 years ago I believe with XXXX, then in no particular order, XXXX XXXX, XXXX, XXXX XXXX and probably one or two others. My argument is this ; I make my mortgage payment on the first of each month and it is not a delinquent account. I am so sick of these people I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. A Police report was filed Report # XXXX see attachment. An FTC ID THEFT AFFIDAVIT IS INCLOSED. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Tried to book a flight with XXXX XXXX, upon booking I received a notification if I sign up for an XXXX promotion Credit Card, I would be entitled to a {$200.00} discount. Thinking this would be acceptable due to the promotion ad, I signed up. Upon notification I was approved, the discount was never applied therefore I paid full price. In addition, I was supposedly expected to click a travel number to access although this was not clear nor present when applying. When my wife called, she was explained that since this option was n't clicked, we must wait for it in the mail and ca n't be given over the phone which is completely ridiculous since they can verify the information I just provided. 

I would never have chosen Delta without that discount as I have a family emergency to attend to and at this point I thought I would be able to resolve with the XXXX customer service. After 7 calls between my wife and I to cancel the card since it was moot, we were passed around and hung up on each time besides the last, which the department I needed already closed. The customer service department repeatedly asked us to explain the situation, which took about 3 minutes, then said we could n't help you and new accounts would. If the situation was handled properly we would have been able to communicate our concerns with new accounts prior to there closing. After 7 phone calls, the situation was so frustrating we asked for a Manager to speak to. We were given XXXX, who was quite unhelpful and disrespectful. I advised the associate on the spelling of my name, XXXX, several times but she decided to call me XXXX XXXX which after I corrected her, she still continued to call me by that name. This transacation clearly violates UDAAP and validates XXXX is predatory, stating they can do one thing while they clearly could not. 

All I wanted tonight was to cancel my credit card and ensure it did n't affect my credit since I we did this under false pretenses and within 20 minutes of the application. After delaying this request through transferring and hanging up, it surely was a tactic to ensure that my credit and their fee would be affected. 

They recorded each call of mine, therefore should there be a dispute of this. XXXX, the " supervisor '' of " customer service '' stated they ca n't review the calls. A decent debt collection/customer service company should have a quality assurance/compliance dept. that examines this but above exemplifies they do not value this aspect of business or their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased a wig from XXXX on XX/XX/XXXX through PayPal with my XXXX XXXX card and it was suppose to arrive on XX/XX/XXXX. It was labeled as delivered but I still have not received it. I have called PayPal and my local USPS office for two weeks to resolve this issue with either a re-shipment or a refund to no avail. I XXXX how to speak with a live representative instead of an automated robot and I called the number that was provided. I explained my problem and I was asked to download an application called XXXX and automatically became defensive because they could see my personal information. I asked how this was relevant to me receiving a refund and he said the only way that he could verify my information was if I added {$2400.00} to my XXXX XXXX  card and that he was permanently close my account and send me a {$500.00} bill if I didnt follow through. Why would I need to add that amount of money to my card to receive a refund of {$37.00} for a wig? I asked for his name and supervisor and he wouldnt answer. He just yelled. I quickly deleted the app, disabled my card, and changed my passwords across every website and app, including my banking information. I reported the website to XXXX and Consumer FTC, as well as emailing their information to the real PayPal for fraud and phishing. I am fearful of my account being compromised and my local bank doesnt open until Monday. There needs to be a better system to access customer service representatives outside of the resolution center so customers can follow up on disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: Students Come First
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a call from an agent with Students Come First stating that if I made 6 payments of {$180.00}, then another year of {$64.00} payments that {$14000.00} of my loan would be forgiven. I looked up the information and the company seemed legitimate had a website as well as reviews. I noticed that my loans have not gone down with each payment I was making and I reached out to the company with no response. i called and there is no answer. I get sent to a voicemail for XXXX and no response. Until I received an email in XXXX that was titled to Client ID- XXXX, advising me that they are changing the company they use to process my payments to XXXX  XXXX XXXX XXXX I have noticed that sometimes the payment would come out as an XXXX  withdrawal to Students CF, and others as a check made out to XXXX XXXX XXXX. 
I received a letter in the mail from the Department of Education letting me know that my loan service provider has changed to XXXX. I contacted them today and they advised that there is no loan forgiveness on my account and that the Dept. of ED could only offer student loan forgiveness which is usually after 10 years of payments or if I was 100 % from XXXX, I am only 10 %. I realized that I was a victim to a scam. I searched for ways to report the fraud and this was one outlet. My financial institution, said it's buyer beware and I am at a loss of the money that was taken from me and that I could pay stop payment fees or close my account. What do I do? This company has all of my information. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Medical Data Systems, Inc.
State: IL
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/XXXX I saw a debt collection on my credit report regarding a bill from XXXX XXXX XXXX. ( A debt collector from Medical Data Systems is the collector ) I called them and spoke with a person who stated I owed this debt from services at XXXX XXXX XXXX in XXXX. If that's true, I was employed by XXXX XXXX XXXX. as a XXXX  XXXX. 

I was shot at and was tossed around the squad car injuring my head. I never received a bill or heard from XXXX XXXX or a debt collector at all. I was told by the XXXX XXXX XXXX. that any bills involving this claim would be paid for. Never heard from them or anyone else since then. 

Lastly, I would be willing to pay the XXXX dollars and would have paid it had I knew that I owed money on a bill. I didn't know anything about a debt. I want this off my credit report. 


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 2020-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian refuses to remove a fraudulent account from my credit report. XXXX  has already verified it as fraudulent and removed it. Experian is in violation of the FCRA.

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