BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-03
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018, I closed my XXXX account over the phone with a representative because I moved. Few months go by, I received a alert that XXXX reported me to collections for a balance of {$500.00}. I contacted XXXX and found out the original rep that I initially spoke with never cancelled the account leaving it open to accumulate a balance. I advised XXXX that I called in to cancel and I returned the equipment. XXXX validated that the account should have closed and the equipment was received and the account balance would be adjusted. I disputed the debt and it was removed from my credit profile. 

A year later, I received another alert for the same debt with XXXX but with another collection agency. I disputed the debt and it was removed from my credit profile. This year in XXXX, I received another alert for the same debt. I contacted XXXX to see why this keeps getting reported. Nothing was ever adjusted. After, hours on the phone, no one was able to really help me. I had no other choice but to contact XXXX XXXX XXXX through social media which I have in writing that they adjusted my account and the account is at {$0.00} balance. 

This past month, I get another alert for the same debt. I contacted the collection agency and advised them that this is not valid and XXXX should have adjusted the account. I was advised by a rep at the Collection agency that XXXX adjusted the account but left the account $ XXXX cents. The rep advised that since there is a balance left it will still be reported as unpaid. 

At this point, I have made several attempts to resolve this issue and have no resolution. I have no choice but to file a complaint on this issue. I never received notification from XXXX of ever having a balance and was sent to collections multiple times. This inaccurate reporting affected me financially as it lowered credit score. I am currently trying to buy a home and with this inaccurate reporting it is causing me to pay more on my mortgage and my closing costs.

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 2022-05-28
Company: Experian Information Solutions Inc.
State: NC
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 XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-10-10
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active XXXX XX/XX/XXXX, equifax XX/XX/XXXX, XXXX XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS APPEARS ON MY REPORT AS A RESULT OF ID THEFT : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXXXXXX  OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES ARE ALSO A RESULT OF ID THEFT : XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ENCLOSED MY POLICE   REPORT AND ID THEFT REPORT.

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 2016-01-14
Company: Wilson, Riley & Associates
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Wilson Riley and associates called and threatened to have a warrant issued and to sue me over a debt from XXXX or XXXX they curse at you called my ex wife and threatened her with the same even though at that time we have been divorced over 5 plus years. One man called and stated he was an investigator with the state of California. I have voice mails verifying the tactics they use and can forward it as I saved it. Wilson Riley and associates have called numerous times, we agreed to pay off the original amount and the XXXX payment was late as we were loading it on a card then we received another threatening call about a sheriff coming to our door with a warrant and that I will be sued and charged with wire fraud because we declined a wire transfer between states. They also said our agreement was null and void a d that my info was erased from their system, but on XXXX XXXX, XXXX they took out {$110.00}, so XXXX payments that are unauthorized were taking out, going by their words nothing should have been touched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: RFNA, LP
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hard inquiry ran on my credit report by this company without my permission. No application via phone, email, or mail requesting credit from this company. I have paid all accounts on report and would like this removed as it pulled my score down. This was an unauthorized hard credit pull and should be deleted by company. Information possibly sold or transferred to another company on file. 
Republic Finance XXXX XXXX XXXX XXXX, ga

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Integrity Solution Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Are calling multiple times per day, as frequently as 5 times per day using a XXXX number and leaving NO message as directed This is disruptive to my work environment. Other creditors are leaving Voice messages and only calling 2x per day maximum and leaving Name, Company Name and number to be reached at. 

I believe Ace Cash Express is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: ID Analytics, 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:
I contacted SageStream PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize Sagestream, or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan with Ace Cash Express. I was unable to pay on the loan due to garnishment. I continue to receive harassing calls from them stating that I will be sued. In fact, I received a harassing call today from XXXX, using legal jargon that I would be arrested and that someone would be coming to my resident to serve papers. This calls are daily and I do n't appreciate it. I 've tried to work with them serval times before, but I just continue to receive harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Payday loan
Issue: Can't contact lender

Complaint:
Been receiving e-mails from this company stating that I owe them for a payday loan. This has been going on for the past 3-4 years and I am tired of it. I have asked several times for information stating that I received this loan, but I keep getting the run around and they say they ca n't because they have several companies that they work for. I told them that if they have my information and the contract that I signed that they know the company that they claimed I received the money from. I have basically all of the e-mails that have been sent and I have sent back at them requesting all this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
A lot of errors appear on my credit report and I have reached out to the companies for the violations of the FCRA and they refuse to investigate and remove inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX I have zero knowledge about this account this does not belong to me please delete from my credit report 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX 4. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The accounts listed here MUST BE removed because they do not belong to me. I demand they be removed now because they are fraudulent accounts. This is supporting fraud, if the credit bureaus do not removed these accounts I will file a lawsuit. Fraudulent accounts are as follows : XXXX XX/XX/XXXX, {$120.00} ; US DEPT OF EDXXXX XX/XX/XXXX, {$1100.00} ; US DEPT OF EDXXXX XX/XX/XXXX {$640.00}.

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 2016-06-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have several private student loans with Navient/XXXX. I and my mother have taken steps to arrange payment arrangements several times, but we are constantly being told that our payments were not applied and that the accounts are always past due or nearing default. Speaking with representatives proves to be fruitless and little action is taken to remedy the situation. Information from XXXX phone call is given and then a new representative will follow-up with incomplete information or information that does not match which was previously discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, Experian Acct # XXXX, XXXX, 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 2016-02-08
Company: Dyck-O'Neal, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
See prior cfbp case # XXXX. Dyck-O'Neal, Inc. initially attempted to collect debt from me based on stolen identity. I submitted a Federal Trade Commission Identity Theft Victim 's Complaint and Affidavit, signed in front of a XXXX County, Maryland police officer. In cfbp case # XXXX, XXXX Inc. agreed that I was the victim of identity theft and agreed to delete its trade line from my credit file. BUT, within days of receiving the resolution to cfbp case # XXXX, XXXX, Inc. issued me an IRS Form XXXX ( Cancellation of Debt ) for {$210000.00}. Since I was the victim of identity theft, XXXX, Inc. has NOT forgiven any debt of mine and I believe it filed the IRS Form XXXX in a blatant attempt to penalize / harm me for bringing my concerns to the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/XXXX I applied to refinance my first mortgage XXXX ( XXXX ). The process went along smoothly until I needed papers to subordinate my second mortgage with Rushmore Loan Management Services ( XXXX ). 
The request for subordination was sent to Rushmore in the first week of XX/XX/XXXX by XXXX, my refinance company. On XX/XX/XXXX, Rushmore promised the subordination documents in XXXX-5 days. So the title company ( XXXX ) scheduled the closing on XX/XX/XXXX at my XXXX County home. I did not pay my mortgage for the month of XXXX because I was advised the total loan would be paid off in the first week of XX/XX/XXXX. 
The fact is, after promising the paperwork a number of times since, Rushmore did n't send the subordination documents until XX/XX/XXXX. That caused my rate lock to expire costing more money, AND added more money to my mortgage payoff at an interest rate of just over {$81.00} per day. Now I am saddled with having to roll an estimated additional {$3700.00} plus filing fees because my loan rate expired. When you cost that out over a 30 year loan, I will be paying ( a very conservative ) additional {$210000.00}!!!!!!! I spoke with a member of Rushmore 's Consumer Service Department, who agreed I should be reimbursed. But, I received a letter on XX/XX/XXXX stating Rushmore made no error, and my request to be reimbursed was declined.Is there ANY help you can offer?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Counterfeit checks were deposited into my checking account. I was told that I was approved for a loan and that they were going to deposit the money into my account, well money was deposited and I used the money to pay other bills, but soon found out that the checks that were deposited were counterfeit and I was charged for the money I spent plus fees for the returned checks. I am currently overdrawn by {$1100.00} and my bank account is frozen while my bank investigates. The loan company was ACE cash Express. This company also has the nerve to leave me threatening voicemail messages that I need to start paying back my " loan ''. I now have to open a new account and change all of my billing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Messages were left on my unlisted home telephone and on my cell phone number. The message also indicated that my place of employment would be contacted and that I would be served with a subpoena in my local county ref : Case number XXXX. Upon receipt of the message I returned the call that was listed in the call log rather than the number indicated in the message ( ) and spoke with XXXX XXXX and XXXX XXXX. XXXX XXXX proceeded to lecture me with regard to what he felt that I had done which rendered this cause of action. He refused to provide me with a physical address to respond to the complaint and indicated that I should visit the online website and make a payment on a payday loan from 2006. He transferred the call to XXXX XXXX who indicated that she knew my place of employment and did so by naming the place of business where I am currently working. She also indicated that she would neither provide me a physical address nor an email and would instead indicate my refusal to comply with the company 's request for payments. I do not owe any money to the creditor nor do I deserve to be harassed by them at my place of employment. I am on the Do Not Call Register and the company should not have access to my private/unlisted home telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: OK
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:
I've submitted multiple complaints on why I believe it is unfair for my credit to be reporting late payments during a hard time. I dealt with XXXX last year into the beginning of this year and it caused me a lot of issues including lose of work and falling behind on payments. I've recovered since then and i have gotten back on track with certain accounts. With XXXX XXXX everything is current and the account is closed. These negative items or impacting my ability to obtain a credit score to buy a new home and I think its unreasonable for my family.

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 2022-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 multiple inquiries from capital one bank and capitol one auto that I didnt authorize.When I called the caller XXXX was very rude and wouldnt help me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-12
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
SWOME ONE BREAK IN XXXX HOUSE I DID REPORT POLICE EVERYTHING IS XXXX XXXX XXXX AND COMPUTER AND CHECKING STOLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This property was surrendered to the United States Bankruptcy Court in a Discharged Chapter XXXX Bankruptcy. The US BK Court Trustee has been ordered to sell the property. We listed the property at Fair Market Value due to SQUATTERS in the property who stripped all kitchen cabinets, all light fixtures, outlets throughout the home, damage to the property, broke the double Master Bathroom sinks, the garage door was damaged by the squatters breaking in, the window in the master bedroom is broken out. TOTAL REHAB. We have an offer of $ XXXX and Rushmore, the servicer, states their investor wants to NET $ XXXX. We submitted XXXX and there was a XXXX XXXX XXXX that sold XXXX of 2016 for $ XXXX. I have XXXX comps that support the lower amount. All of the other properties are move in ready. The subject property has no kitchen, no working bathrooms.

Company response to consumer: Closed with explanation