BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22, I received the results of a previous complaint that I filed via the CFPB on XX/XX/22 regarding a collections account balance. Sequium Asset Solutions responded, stating the account was closed as fraud and deleted. The dispute was settled. I was then instructed by a CFPB representative ( who confirmed the account was deleted ) to submit this information to XXXX, XXXX, and XXXX so that could be reflected on my credit score. I did so on XX/XX/22. Today, XX/XX/22, they have completed my disputes and said that the debt is still owed on my account according to XXXX XXXX XXXX who has verified that it belongs to me. This can not be correct as it directly contradicts the results I received from the CFPB last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Central States Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The original creditor had my mailing address incorrect, but they did have a good contact telephone # ; I did n't realize I even owed this until I pulled my credit report. By then the debt had been sold to the collection agency. I never received a bill from the original creditor, or the collection agency. I am an XXXX so I had my wife call the agency based on the info from my credit report. They attempted to use scare tactics to get her to pay it over the phone without ever seeing a statement of any kind. I have filed complaints against both the original creditor and the collection agency, with the XXXX and still have yet to receive proof of this debt despite giving them my correct address. The XXXX response was that they would remove this debt from my credit report once paid, but I never received anything from them. I have even emailed the collection agency 's legal department and they have not responded. I would 've been happy to pay this in the beginning if I had received notification that I owed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-12-26
Company: Experian Information Solutions 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:
XXXX XXXX XXXX will not respond to my mail but somehow continues to verify 11 Collection accounts with Experian and XXXX. I have never received any letter directly to my address about this debt in which I would then have 30 days to dispute the debt directly with XXXX XXXX XXXX. I have disputed directly with them and Experian and XXXX. Experian and XXXX  continues to verify the debt but they wont even explain to me how or why it is verified. 

all collection information is listed below XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$290.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  {$780.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 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 2016-02-19
Company: Reliant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have actually had this company call me repetitively and harass me the company 's name is XXXX they are A auto financing company which I unfortunately have to do business with this company is the worst company that I 've ever seen their reviews on XXXX and XXXX are horrible and I understand why I have been harassed and called countless times in a row by these people I 've also had XXXX of their supervisors call me from her actual cell phone not stating who she was They 've also send me mail stating that my account has added fees now because of not having insurance on my car which is false because my car has been insured since the beginning of the loan and full coverage like any financing company would ask for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is for a personal loan. Have constantly contacted XXXX of my references after being told to stop. Have harassed my wife at work. 
Constantly calling my house. All this because i am XXXX payments behind because i am on permanent XXXX now. i have not missed a payment in XXXX months and pay extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Assumption : XXXX and XXXX facilitate my Social Security number to collection agencies. 
Explanation : I received a service from a medical clinic last years ( XXXX ), my co-payment some how was not process and the clinic sent my case to a collection agency. Notice that I never shared my SS # with the medical clinic nor with the collection agency. 
Last XXXX 2016 the report showed on my son 's XXXX credit report. At that time, I called the collection agency and inquired on how they reported a service on my son 's credit without his SS # ; when I was the one who received the service? They responded : " We just send the information to the credit reporting agency and they place the inquire on your credit ''. 
I called XXXX, submitted a complain, and the report was removed from my son 's credit report. 
This month XXXX XXXX ), I notice a change on my credit score from XXXX. There was an inquire from the same collection agency on my credit report. 
Question : How is the collection agencies reporting to XXXX and XXXX without SS #? 
How is XXXX and XXXX obtaining information and adding it to credit report without SS #? 
Are XXXX and XXXX randomly adding information to consumer 's credit without SS #? or Are they facilitating SS # to collection agencies to add inquires to consumers report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2015-09-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The judgement on my report from Midland Funding LLC is not mine. This debt is my son 's. He has n't lived in my house since XXXX 1992. I 've never had this debt nor have never co-signed for or authorized this debt. 

I was never properly served. A young man rang our doorbell and when my wife opened the door, he threw the notice at her and ran to his car all the while she was telling him that he had the wrong person. He sped away screeching his tires. 

XXXX and XXXX removed the account after performing their investigations. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I deposit XXXX. I was told the funds would be available the next day. I went the next day XXXX. And withdrawal the money. I noticed a few days later my account was in the negative, I called the asked why and they said the check hasn't cleared. I asked them why did I get the money and they said it just may take longer. Than on Tuesday XX/XX/XXXX I went to deposit a check and I found out my accounts was frozen. Said the check I deposited was fraud which I had no idea. But I never received notification, the gave me the money and my account doesn't show anything wrong. It even shows the running balance. If there was a problem the bank should have never given me the money. Please help me unlock so I can take care of my family. 

TCF CLASSIC SAVINGS {$0.00} XXXX Manage my account Enroll and view online documents Export Transactions Search Search Advanced Search Options Running Balance Pending You have no pending transactions. 
2020 Posted XX/XX/XXXX FORCE POST DEBIT MONTH MAINTENANCE Utilities/Gas/Electric - {$1.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$4000.00} {$1.00} XX/XX/XXXX DEPOSIT Income {$4000.00} {$4000.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$350.00} {$1.00} XX/XX/XXXX ACH CREDIT STATE OF ARIZONA Uncategorized Income {$350.00} {$350.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: National Credit Systems,Inc.
State: TN
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:
XXXX years ago I moved from The XXXX apartments in XXXX, TN. I bought a home. Before I left I cleaned the apartment but did leave some things that the cleaning crew or painters could have. These were things like a comforter, electric skillet, some glasses ... .all in excellent condition. I also took pictures of the apartment after I cleaned it. There were holes in the wall that would need patching because I had my t.v. hung on the wall. They called and said I owed then {$120.00} because I left junk, the refrigerator was not clean enough and the holes would need repair. I told them I cleaned everything and the stuff I left in the middle of the room with a note saying they could have, was not junk. I did send them a check for half of the amount, {$65.00}, for repair ( patching and painting ) the holes in the wall. They put the whole {$120.00} on my credit report and it has lower my good credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the account XXXX XXXX XXXX  the fraudulent account with Transunion several times and asked them how they verified the account and they dont send me details how they verified account, only that it has been verified account. I have have even sent them information how XXXX  and XXXX  have taken the account off my credit and they still want remove it. So my last result was contacting this agency for help.

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 2020-12-26
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Please refer to the detailed letter attached that I wrote to XXXX XXXX XXXX after they called me regarding my Macy 's account. Macy 's is completely violating the FCRA reporting to my credit a charged off account and only showing XXXX 120 day lates in XXXX XXXX, XXXX XXXX, and XXXX XXXX. There is a balance I do n't owe also reporting of {$280.00} ( see attached page of my recent credit report ). I closed this account after the terrible customer service trying to find out why my perfect financial past is being heavily hurt by their errors and I cant get a home loan because of them. I NEED THEM TO CORRECT THIS IMMEDIATELY OR I WILL FILE A LAWSUIT AGAINST THEM. THEY DECIDED TO NOT CASH MY CHECK AND RETURN IT TO ME AND CA N'T EXPLAIN WHY. I AM NOT AT FAULT AND IT IS FRUSTRATING TO HAVE TO TAKE THESE MEASURES TO RECTIFY IT. SEE ALL ATTACHED DOCS AND HOLD THEM ACCOUNTABLE.

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 2015-06-15
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AR Resources has repeatedly contacted me (everyday for a week) about a debt my son owes, he does not live here and this is my phone number.  The debt is actually due to a misbilled major XXXX claim (should have been workers comp) after this was explained they were told to stop calling.  the person there told me HE wasn't the XXXX to call me, it was the automated machine.  So i guess the automated machine has to take responsibility for itself, because he wouldn't. XXXX again they have called and XXXX again i asked them to stop, but at this point they need to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I moved to our new apartment, in the middle of a COVID national shutdown, in XXXX of 2020. XXXX was the company I chose to be my cable/internet provider. Before leaving to my new place, I closed my account at XXXX. My new apartment will provide cable & internet for me, that would be included in my monthly rent. XXXX was also going to be my cable provider once I moved to my new place. Now, Ive been here at my new place for months, without any issues, until I get an alert from my credit monitoring app on my phone. The alert was for a new collections account added to my credit report by XXXX for the amount of {$230.00}. After several attempts to resolve the issue with XXXX, and several promises made by XXXX to delete the Collections account from my credit report, all they have done for me is update the balance of my new collections account to {$0.00}. Which does absolutely nothing to repair my credit, that they so effortlessly destroyed. Its still a collections account on my credit report, that unless deleted, or removed, will have catastrophic effects to my financial freedom. I was in the process of buying my first home, but thanks to XXXX, that may be impossible. At least for the next 7 years. XXXX absolutely refuses to do good business with a loyal customer. XXXX gave me an excuse. XXXX says that because of COVID, they werent requiring customers to pay their bill for a few months, without penalty. And, although there is obvious evidence that I closed my account, before moving to the place I live now ( which they see my active account, with my current address ), their system kept charging me for reasons unknown by them.XXXX  scammed me for no reason!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First., after XXXX years paying. I requested a loan history to see if my extra princ payments were on it. after because, I had been told that even tho. I had made {$4000.00} in princ payments my 30 year term, is still XXXX years ... do n't understand that at all. 
Secondly, I find there is a check missing of {$500.00} never posted to my acc. that Wells Fargo cashed back in 2009. 
Thirdly, what law allows them to bill me monthly AA fees of {$30.00} plus dollars.? Do the math, that is {$12000.00} in 30 years. not right. gouging people.I want to see the exact paper that I signed regarding that information ... v important. 
The way they do the loan history. no one is able to understand it. ( they do n't want you too ). 
My escrow, I pay all this lump sums yearly of like over XXXX sometimes. and they still jack up my monthly rate ... 
Also, they have a check XXXX sent for my taxes. in XX/XX/XXXX. and then they have XX/XX/XXXX another one {$3800.00}. same year. it is just so messed up. that is not even right ... 
They tell me there is a clause saying somewhere that I am not able after XXXX years to pay my own taxes on my property. 
Trust me, they are v good at dancing around everything. 

I just do not trust them. Also, just forwarded info to a Law office in XXXX Md. that is where my home is located..

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 2020-12-26
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Google Compare Credit Cards Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/22 I sent a P2P payment through Google Pay for {$170.00} trying to help a friend. The individual that I intended the payment to be paid to had recently changed their phone number and the payment went to an unidentified individual. Since I had previously sent a payment to the person, the info was stored in the G-Pay app and didn't update to the new phone number. Within less than 10 minutes, I realized that the money went to the wrong individual and attempted to remedy with G-Pay . I have yet to receive the funds back and believe that this might be a Reg E violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the XXXX the company corrected the address which had DELAYED this legal letter that they sent. They decided to reopen the same day. The very next day after opening the claim the specialist remarked it with the same reason stating that I replied to them with the required documents late. Their document to me, had the wrong address on file it was missing my apartment number which caused a delay in their mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: DC
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  Account # XXXX 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 XXXX XXXX Equifax Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Continental Finance Company, LLC
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
THE COMPANY CONTINENTAL FINANCE THAT GIVES CREDIT CARDS CHARGED ME A XXXX A YEAR AGO. I 'VE PAID ON TIME EVERY MONTH, I JUST SENT XXXX AND THEY DID ALL KINDS OF XXXX CHARGES TO KEEP MY BALANCE HIGH. MEMBERSHIP ETC ALL KINDS OF CHARGES ( THEY ALSO KEEP A XXXX FROM PEOPLE SAYING IT GOES AGAINST THE BALANCE OWED IF CANCELLED, BUT REMAINS TILL PAID OR CANCELLED, MOST COMPANY 'S CREDIT YOUR DEPOSIT

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