BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX. c/o Resurgent Capital Services is reporting an old debt from XXXX XXXX XXXX  XXXX in the amount of {$590.00} to the three Collection Bureaus. This company is not a licensed collection agency in Nevada and I have learned that they have no right to attempt collection on this debt. I have re-established credit with XXXX XXXX XXXX and currently hold 2 accounts with them. I would like to request that this debt be disputed and removed from all three of the Credit Bureaus as soon as possible. As of XXXX/XXXX/XXXX, the debt is still showing on my credit reports and is bringing my credit scores down. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi my name is XXXX XXXX and i paid of my balance for wells fargo already cause i had a checking account with them before. I paid {$30.00} yestraday and the rest today. I was trying to open a new account but it was not letting 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 2019-02-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, My name is XXXX XXXX. XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX AT XXXX Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, Experian,  XXXX and XXXX. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.

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 2021-03-29
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i notice a debt thats was on my credit that i did not do. I called the number XXXX I was told that this account was opened XX/XX/XXXX I did not do this. I am a victim of identify fraud. in XXXX a client of mine stole my wallet with my bank information id. The amount was 1567.00

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently serviced by Carrington Mortgage Services ( CMS ). CMS has advised that there is an escrow shortage of {$7200.00} due to flood insurance. CMS has claimed that the shortage stems from the billing from the insurance agent. However, my insurance agent has issued statements showing that the insurance is paid up to date and they also issued a {$3800.00} refund. CMS has refused to issued proper accounting statements, even though I have requested them via QWR, which is a violation of RESPA and HUD law. CMS is clearly distorting the escrow account, to press foreclosure action. CMS has refused to move ahead with loss mitigation efforts as well, which is a violation of CFPB law. I feel cheated and deceived by CMS and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Dear Sir/Madam My case number with Coinbase is XXXX The Coinbase system is not sending out my secondary email address which I need to withdraw my funds. 

The primary address of XXXX works fine - I get the email asking for approval. 

But the secondary email which I need to approve which is to be sent to XXXX never arrives. I have tried everything they advise to try in their FAQs to no avail. And they are not responding to my requests for help. It's not in spam of course. 

They also state on the phone that they can't help with vault problems via the phone. So essentially my 3 Bitcoin is locked up. I have read about people having this problem for months at XXXX so there is a bug in the system. 

You can see here XXXX XXXX XXXX XXXX XXXX XXXX Some people waited for months to finally get access to their money. 

Coinbase needs to be held accountable for their problems and needs to provide better service for their clients. I have been waiting and trying now for weeks to no avail and am fed up. 

Best XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Experian Information Solutions 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:
These items reported by XXXX Account Number XXXX and XXXX Credit Card was Discharge in Bankruptcy Case No. XXXX XXXX, XXXX, NM XXXX is Inaccurate or incomplete. Because it is reporting to Experian Credit Agency as open and Charge off which are inaccurate or incomplete and because it was discharged on XXXX XXXX, XXXX. I am requesting that the item be updated and show close and not open to correct the information. 

I received a response from XXXX dated XXXX XXXX, XXXX there Case numbers XXXX anf XXXX stating they are refusing to report these accounts as close, thereby making my credit report after bankruptcy appear that I have a bad payment history. These action on XXXX is lowering my credit Score.

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 2018-02-01
Company: Alliant Capital Management LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Repeated calls to family that I will be arrested in 24 hours. Threatening my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This bill is for a gas service for a property that I sold 8 years ago and the bank did not settle the open account, I did not knew I had this balance open for {$500.00} dollars. I contacted IC Systems and told them that I am in lay off right now, but I want to settle the account paying what I acan right now, which is {$200.00}. 
They did not accepted and then is when the call and mail harassment started.

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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Simple bank is transitioning all customer accounts to BBVA bank but made a massive XXXX up and now customers are locked out of their online accounts and UNABLE to access them or see their money. I try calling customer service and was on hold for an hour before being hung up on. This is ridiculous and we need access to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've sent several letters asking for validation of several collection accounts on my credit report. I have not received any correspondence with the information requested nor have the items been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: EQUIFAX, INC.
State: CO
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:
Both XXXX and Equifax have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a debt for a Visa Card from the XXXX XXXX with a open balance of {$420.00} dollars. 
I contacted them in the effort to settle the account and told them that at the moment I am lay off from my work but I wanted to settle the balance. I told them that at the moment since I am unemployed I can only afford to pay {$200.00} and settle the account. They told me no that the minimum eas {$330.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Asset Management Outsourcing, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I had to have a medical procedure that was deemed important and necessary. I had medical insurance, XXXX XXXX, through my employer, XXXX XXXX. The medical procedure required me being anesthetized. I went to a medical provider in network. I was not told that the XX/XX/XXXX was not in network, and was not given a choice. I was also not given a bill at time of service. In XXXX, I had been mailed a bill from XXXX XXXX XXXX XXXX XXXX, of XXXX XXXX, NY. It was for more than {$2000.00}. I immediately notified both my employer and the insurance company, XXXX. Someone said they would look into it, and I figured that they would. In XXXX, I was sent to collections. As I was no longer working for the same company, the employer could have cared less and were no help. I reached out to XXXX, and one person there acknowledged that this should have been paid, and promised it would be taken care of. Six months went by, and this was still on my credit. I have no confirmed that the insurance company has actually paid the bill. However, XXXX XXXX XXXX XXXX XXXX, while having received payment, has refused to take this off of my credit. It has now been since XX/XX/XXXX that this has been paid, and I have the statement of benefits from the insurance company that it was paid and nothing due to me. This remains on my credit still, and no one at XXXX XXXX XXXX XXXX XXXX will assist, as they sold off the debt apparently to an in house collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Freedom Mortgage Company
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Freedom Mortgage Company said that AutoPay was active for one of my houses. I put enough money into that houses account to pay the mortgage for a year. After 3 months I received mail that the house was in foreclosure. I immediately tried to log in to pay the past due amounts but was unable to, and was told to speak with Freedom 's attorneys. 

After speaking with the attorneys, they sent me a reinstatement letter from Freedom Mortgage, which listed the past due amount, along with a laundry list of additional fees that were never explained. The past due amount was roughly {$5000.00} - however they tacked on another {$5000.00} in fees. Getting nowhere on answers from them, I decided to hire my own attorneys. 

My attorneys could not get answers from Freedom 's attorneys or Freedom Mortgage for months. We unfortunately had no record of the autopay setup, so my attorneys pretty much said that they can keep fighting this - however it will likely result in the house foreclosing. I basically had two options, let the house foreclose due to the ridiculous amount of fees Freedom wanted to collect, or suck it up and pay all the fees so that my credit didn't get destroyed. 

So after a whole year of back and forth and getting no answers from Freedom, I finally decided to stop all the bleeding from both sides. The past due mortgage payments were {$17000.00}. I was happy to pay that. However in order to get the loan reinstated, I had to pay them {$26000.00}. The rest were all their fees. This does not include what I paid to my attorneys to try to get this whole issue resolved. 

All I wanted the entire time was to talk to someone at Freedom about the fees and see if there was a fair resolution given the circumstances. I am incredibly displeased with how this whole thing transpired.

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 2018-10-06
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit report says I opening a medical account on XX/XX/2018 and I owe {$100.00} to ATG Credit LLC and the Original Creditor Name is XXXX XXXX XXXX and I believe that is a mistake someone in my family or someone close to me may have copied my personal information and opened this account I didnt do it. So I want this debt removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been more than proactive in discussing options for my mortgage with the company. I was advised several times that my loan was placed into a forbearance for 90 days and after the period is up i would need to " resume payments '' I specifically asked if I would need to pay the back payments at once after the 90 days because that's not something that I could do and they said absolutely not they wouldn't do something like that. I received the letter in the mail confirming my agreement and nowhere in there does it say i need to pay the amount for the 90 days all at once either and now i get a statement in the mail saying my past due amount. I called the mortgage company and they now say once my forbearance is over i need to pay all 90 days worth of payments to avoid being behind. At no point did they mention this to be before. They said the " loss mitigation department '' will reach out to me and either see if they can extend the forbearance, offer some sort of payment plan or tell me its all due. I told them i dont wan na wait another month I need repayment options now but they are refusing to offer me any options other that pay the last 90 days of payments in XXXX. I am trying to be proactive in all of this by working out an agreement so it doesnt go delinquent but they have no plan right now, I have an FHA loan and the CARES act states they should work with me but they are not working with me. I would like to resume payments now but i don't want to pay anything until I know what is going to happen. I asked about deferment and they said this plan isnt a deferment its a forbearance but nowhere does it say that it needs to all be paid back at the end. I really just want them to defer the last 2 months to the end and resume as normal but " nobody knows the options that will be available next month '' so they arent working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a loan account that was shows closed on my credit report, and this was happened from the company side as the sold the loan to a different company and since the loan shows closed and this impacts my credit score and i have to deal with lower credit score and closed accounts that make my credit report look unappealing. I have my wife and my son also on the loan account which means they also have the closed account showing on their reports as well, all i want is that closed account taken off our credit reports. 

Closed account name : - XXXX XXXX XXXX XXXX All i want is this closed account taken off our reports as this change in loan company wasn't our fault.

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 2018-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing today in regards to my account with Lincoln AFS Account # XXXX. The reason for writing today is in regards to the late payment showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: Experian Information Solutions Inc.
State: TX
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 a loan account that was shows closed on my credit report, and this was happened from the company side as the sold the loan to a different company and since the loan shows closed and this impacts my credit score and i have to deal with lower credit score and closed accounts that make my credit report look unappealing. I have my wife and my son also on the loan account which means they also have the closed account showing on their reports as well, all i want is that closed account taken off our credit reports. 

Closed account name : - XXXX XXXX XXXX XXXX All i want is this closed account taken off our reports as this change in loan company wasn't our fault.

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