BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-18
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Midland Funding LLC bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX, XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. Midland Funding LLC added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of Midland Funding LLC about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Yes, I made a purchased of a computer from XXXX website, it arrived to where it would not boot up. I tried to return it to the store, thats when I finds out that Ive purchased it though a third party which I didnt know XXXX XXXX third party vendors on their website. XXXX customer service rep at the store told me I had to go to XXXX. I goes to XXXX about XXXX  days later then they told me I needed a returned label. I didnt know how to request a return label, the young lady at the store did the request. So while XXXX waiting on the label from XXXX it came from the third party vendor, XXXX XXXX. When I found the email I printed it and goes back to XXXX. The XXXX clerk told me I had to go XXXX. The company wants to fix it and sent it back at new price cost. I still dont have the computer since XXXX. XXXX wants me to pay for a computer that never work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo Bank reduced the obligation amount owed on a line of credit that became past due when I became XXXX and my private XXXX insurer engaged in fraud (certified by the XXXX).  This left me on XXXX so I defaulted on this loan.  I have been trying to sell my home to pay of this loan.  Last year, Wells Fargo agreed to reduce the balance of the loan.  I am re-listing my home with a new agent and he said I need to have the lien on my home reduced to the new amount Wells Fargo settled for before we re-list the house for sale.   The settlement letter I have from Wells is dated XX/XX/XXXX and there is no expiration date on the offer.  When I phoned them to ask for a lien modification so they can get the new payoff in escrow after my house sells, they said they wanted to collect the old amount.  So I said:  "Is your letter of XX/XX/XXXX a lie?"  They said, "yes."  

This is an allegedly shady move on Wells part to agreed to a lowered amount in a letter which is unenforceable because of the lien on my home.  A good faith lender should reduce or eliminate the lien in favor of the negotiated amount in this letter so I can give that to the escrow officer to pay off when the house sells.  

CFPB helped me with this matter back in XX/XX/XXXX.  It has an old case number, but we need a new case opened up on this.  The old case number was used in my letter to you XXXX weeks ago and it resulted in a "duplicate."  So I will not give you the old case number unless you ask for it.  However, with my email address you can see the transaction.  Thank you so much for your help.  I am trying to settle my debts with the sale of my home I built in 1987.  I bought private XXXX insurance so this would not happen, but there is no white collar crime enforcement in this country as respects insurance companies.  Thanks for your help.  I really am grateful for the CFPB.  Best wishes, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A discover card was issued in my name and mailed to me at my address. I did not apply for it and apparently the same individual tried to make a fraudulent bank deposit to the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Diversified Adjustment Service, 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: Account information incorrect

Complaint:
This company appeared out of nowhere. I did not receive any mail or calls from them or XXXX. And this is from 2016. They have various violations on my credit report. From symbols on their letterhead to stating open account. I have enclosed these violations so you can see for yourself. I am stressed out about this stuff because they should know better. If I never would have checked my credit report, I would not have known these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Account # XXXX " XXXX '' Account # 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

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 2015-07-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently re-applied for mortgage assistance through Wellsfargo Home Mortgage. On XXXX/XXXX/15 my attorney sent my financials and application to be considered for a modification. On XXXX XXXX, my attorney called to confirm receipt of documents that were faxed and they said they needed additional documents which were faxed the same day. My attorney followed up again XXXX XXXX, 2015 for a status on docs that were sent on XXXX XXXX, 2015 and they now asked for additional docs which were never requested however, I complied and sent everything via fax again on XXXX XXXX, 2015. On XXXX XXXX, attorney called for status and again they asked for additional docs and a lot of the same docs that were already submitted which leads me to believe they are not reviewing the paperwork I am sending and are not interested in even helping me. I continue to advise them I have a sale date and to please tell me what is needed at all once so we can avoid any delays but they never give a good response other than request additional documents. Therefore, I complied and sent everything they requested again XXXX XXXX, 2015. Today XXXX XXXX, 2015 my attorney calls for status and they are advised that they are still in need of additional documents which have been sent twice before. I am filing this complaint because I have complied with all their requests and they are not reviewing the docs and are simply telling me to send things everytime I call when I have proof that I have mailed everything they have requested over the phone. At no point have they called me or provided anything in writing to ask for anything unless I call for a status. For this reason, I ask for your assistance as I am doing everything possible to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First National Collections purchased this loan from XXXX. I informed them that someone opened this account at a address which does not belong to me or never resided at and advised them to validate and verify. First National Collections has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: MI
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:
I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018 Comenity Bank agreed to debt relief if I agreed not to pursue legal action against them for debt collection harassment. This was all done through my attorney at the Consumer Rights Law Firm. Comenity Bank has not removed this acct from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Nelnet, Inc.
State: DE
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:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender CitiMortgage is refusing to allow me online access to my mortgage account.

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 2015-10-05
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On XXXX/XXXX/15 I sent a Cease and Desist letter to Southern Finance, as a representative had come to my place of employment and I wanted to ensure that the harassment would stop. However, Southern Finance continues to call me and references provided on my application multiple times a day. I am experiencing a financial and have been meeting with a non-profit financial counselor. I have been advised that my budget only allows me to pay for my most basic needs such as mortgage, food, and health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 1. XXXX XXXX Bank, Account # XXXX, Address ID # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed immediately.

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 2015-07-02
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Trying to settle with Conserve who was outsourced by XXXX which is the company that deals with financial accounts for XXXX online. I do owe XXXX to the school. I lost my job and could not pay. I now am trying to pay and spoke to Conserve about a settlement. I will pay XXXX plus some fee, but not XXXX. Which they are trying to collect and not even negotiate. Even XXXX was trying to reach out because they do n't understand. I asked conserve where this excess fees came from, and they just said that they can tack on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account does not belong to me, please block and remove under 15 USC 1681c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: AL
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, XXXX XXXX  XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, DPT ED/XXXX  Account # XXXX, DPT ED/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

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 2022-06-05
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 1. XXXX XXXXXXXX XXXX Account # XXXX, Address ID # XXXX 2XXXX XXXX Account # XXXX 3. XXXX Account # XXXX 4. XXXX 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

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 2016-09-21
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I sent a letter back in XX/XX/2014 not to contact via phone to write me a letter because the calls were harassing me. The calls stoped until recently my voice mail has a recording of a message from this company and a couple other messages just asking for me, but the voice is the same. The harassing had started again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: First National Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed Chapter XXXX bankruptcy in 2008 and all creditors, secured and unsecured were included. The bankruptcy was discharged and shortly afterwards, XXXX of the unsecured creditors " appears '' to forward the account to a XXXX party collection agency, with a different account number than the original XXXX. This same discharged account has been passed on to at least XXXX other XXXX party collection agencies, since the bankruptcy was discharged. I made an attempt to contact the XXXX party collection agency a few days ago, and other than the individual on the other end of the phone being very nasty and derogatory towards me, she said there was nothing she could and provide her proof that the account was placed in bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 pulled up my report from Transunion and noticed several hard inquires that I have never authorized. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I called to my bank adviser and they told me that someone been tried to obtained credit card on my behalf, so I become a victim of identity theft. 
These hard inquires are not mine and must be removed from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Please remove these from my report immediately

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 2017-01-07
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding LLC filed lawsuit to collect debt, but did not attach any proof that they can sue for debt when they filed the lawsuit. 

Additionally they violated XXXX CONSENT ORDER, Section XXXX, Subsection a, b, c & d. Section XXXX, Subsection a ; XXXX, XXXX, XXXX, XXXX. 

The lawyer repeatedly telling me I would have to pay all fees if I elect my right to consumer arbitration & lose & that I would be acting in bad faith if I do elect my right for arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.

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 2017-04-25
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has been dutifully notified that they are in blantant violation o f Fla Stat 95.11  and the Florida Consumer Credit Protection Act as well as various subsections of the Fair Debt Collection Practices Act.  Advance Collection Bureaus has been told the letter of assignment has never been sent to a good address affording me the legally mandated 30 day direct dispute period prior to " LEGAL COLLECTIONS '' beginning. Also, this alleged debt is past the Staute of limitations to collect in the State of Florida. Also, a civil complaint has been filed with the State Attorneys office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation