BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After moving out of a property, there was some minor debt left do to utility bills which had not yet come in. A week after I moved out I check with my former Landlord and found that the total remaining balance was XXXX which I paid using my credit card through their website ( XXXX2017 ). A week after that I received a letter from IQ Data claiming that I owed XXXX and in needed to be paid within a week or I would be placed in collection. I contacted my previously landlord and told them that I received this letter and asked them what was going on. They indicated it was a mistake and that my balanced had indeed paid in full. I was told that they would take care of it. About 2 weeks later, I received a phone call from 1 IQ Data saying that I owned XXXX and I better pay it or else there would be consequences to myself and my wife on our credit report. I told them I didnt own the money and they should check back with their client, but I was told that Lots of people tell us they dont own the money and that I better pay up. After a long conversation where they on multiple occasions refused to check back with their client and said it I didnt own the money it was my responsibility to prove it. I was eventually told that if I dont send them a letter with proof that I paid the debt, then they would report it on my credit report and that of my wife. During this call they also insulted me, insulted my intelligence, claimed I was a liar and disavowed any responsibility for validating the debt. 
I contacted the original landlord who confirmed there was no debt and told me they would take care of it. The land lord also sent me a copy of my ledger showing that I had a 0 balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Sortis Financial, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was transferred from XXXX XXXX  to Sorits as of XX/XX/XXXX per documentation. I received official letter from Sortis on XX/XX/XXXX regarding the transfer and that my first payment was due on XX/XX/XXXX. 
I received another letter from Sortis on XX/XX/XXXX in my mail ; it was dated XX/XX/XXXX ; saying that my mortgage payment was more than 30 days past due and my loan was in default. 
In XX/XX/XXXX my mortgage was transferred from XXXX to XXXX XXXX. In XX/XX/XXXX, I mailed a check for the mortgage to XXXX ; then after that, starting in XX/XX/XXXX, payments were automatically sent from my account. Per the records in that account, XXXX started returning some of those payments back into the accounts. Those automatic payments were mailed consistently until XX/XX/XXXX, when Sortis was taking over the account. 
I am asking that any back payments prior to XXXX taking over the loan ( then transferring it to Sortis ) be attached to the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I received a solicitation call from Wells Fargo wanting me to obtain a credit card account. I told the solicitor I would not agree to any terms over the phone, but if they sent me the terms in writing I would review them, and decide if I wanted to open a credit account with them. A few days after the phone call solicitation I received a Wells Fargo credit card in the mail. Due to my naivety at the time I activated the card and began to use it. Later I learned that the account was most likely fraudulently opened, but because I had a sizable balance I was paying off and did not want to go through the hassle of closing the account or deal with possible XXXX XXXX implications I kept the account. 

Finally, on XXXX XXXX, XXXX, due to the unfavorable terms of the credit agreement I decided to go through the process of closing the account. I went to Wells Fargo in XXXX, NJ, and told a personal banker about the unauthorized opening of the credit account. The banker had me talk on the phone to XXXX separate individuals. XXXX individual offered to allow me XXXX months without interest to pay off the balance, but those terms did not seem reasonable because Wells Fargo has already made a lot of money off interest fees from my account and I do n't think they should be making any more. Finally I talked to XXXX XXXX XXXX XXXX XXXX XXXX who told me the credit account was applied for through the mail. I have never applied for a credit card through the mail. She told me she would investigate, but I have n't heard back from her, and Wells Fargo keeps on charging me interest on my credit account payments.

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 2017-04-20
Company: Miller, Stark, Klein and Associates
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call from  Miller Stark Klein and Associates . A representative by the name of  XXXX  contacted me about a charged off account  for   XXXX   XXXX   auto  loan. He informed me of the debt owe and gave me options to pay  XXXX  lump sum or set up a payment plan. As I tried to get more information about the payment, the representative became very rude and aggressive ; which resulted in him disconnecting the call. I contacted the number and requested to speak with a supervisor. I spoke with  XXXX   XXXX  and she listened to the call. After assuring me the employee will be " dealt '' with, she proceeded to offer a lesser amount towards the debt owed. I agreed to pay the amount, in good faith and in hopes of not getting sued, fined or prosecuted. Weeks later, I began getting calls from another company stating they are calling to collect a debt for the same charged off account. I began to do my research because things seemed a bit odd and I find out  Miller Stark Klein  had no legal rights to my account. This has caused majo  XXXX   XXXX   because I 've had to go back and forth with companies about who 's the actual debt collector ; and I had to file a dispute with my bank. This company is using scare tactics to retrieve money on charged off accounts from   XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to Captial One requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to XXXX requesting the same information and nothing has been done by either Capital One Bank or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: J & B Endeavors, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I found a link to " XXXX XXXX XXXX '' via an advertisement on XXXX and applied to receive information. However after going through with their consultant that " did n't know where the exclamation point was on the keyboard '' and who also provided contradicting statements I back tracked and made sure to prevent them from having access to any of my accounts. Upon doing so I saw they had changed my contact information without my consent and I was sure to inform my loan holder of the situation so that they could provide a blockage of any third-party organizations. They still continue to contact me and I 've made sure not to converse unless I can gain metadata of our conversations via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, 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:
TO WHOM THIS MAY CONCERN, I XXXX XXXX 100 % BELIEVE THIS IS NOT FAIR THAT THIS OLD INQUIRY 'S FROM XXXXFROM ALL XXXX CREDIT BUREAUS 1. XXXX 2. XXXX 3. EQUIFAX SPECIAL WHEN EQUIFAX WAS THE ONE THAT HAD THE DATA BREACH, OF MY PERSONAL INFORMATION LEAK OUT NOT JUST XXXX TIME BUT XXXX TIMES. 
I XXXX XXXX DO BELIEVE THAT WOULD BE XXXX AND FAIR TO ME AND MY CREDIT REPORTS ( ALL XXXX ) 1. ALL INQUIRIES FROM XXXX 2. AND HARD INQUIRIES XXXX NEEDS TO BE REMOVE. 
ALSO I HAVE SENT IN XXXX CLAIMS IN TO XXXX FOR THE SETTLEMENT CLAIM I HAVE NOT HEARD ANYTHING BACK I EMAIL THEM MY CLAIM STARTED FIRST IN XXXX XXXX WHEN EQUIFAX FIRST EMAIL ME ABOUT THERE DATA BREACH SPECIAL MONEY I BORROW FROM FAMILY HIRING ATTORNEYS DA AND SO FORTH I NEED THE MONEY BACK FROM EQUIFAX THE CLAIM NUMBERS I CHECK ED DOESN'T EXIST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted Apple Card Support after getting a new XXXX and adding all of my credit cards to my wallet. I received a notification that my account had been closed when I added my Apple card. This seemed odd to me because to my knowledge it is illegal for anyone to collect an extension of credit. I received an extension of credit when I opened this Apple card by Goldman Sachs using my SSN. However, the error was probably caused by a mistake or a system error, so I contacted their customer support team. This big of a corporation wouldn't do anything illegal, would it? While addressing this situation with him, the customer service representative was very friendly and helpful. I was placed on hold for a few minutes waiting to be transferred to a supervisor. He came back and said to refer back to the email why my account was closed and that she couldn't provide any additional information. That wasn't a big deal to me, and I knew he and the supervisor didn't realize that collecting an extension of credit is illegal. Additionally, I asked her to keep it in the notes in case someone from the legal department or supervisor gets in touch with me. 18 USC 894 ( a ) ( 1 ) ( 2 ) Whoever knowingly Participates in any way, or conspires to do so, in the Use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke to a customer service representative over the phone ( recorded conversation ) regarding a medical bill I had for ~ {$700.00}. She told me that once I paid them, they actually offered me a settlement amount, they would update the debt as being reconciled and have the collection item removed from my credit. Upon me paying them, I believe on XX/XX/2017, I received updates from the credit bureaus stating that the collection item is open the very next day. I receive credit report update alerts. 

I called to follow up with them to have this problem fixed, and they are n't honoring what they told me. 

I just want the company to update my credit report per our agreement.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX At XXXX XXXX XXXX I sent disputes several times stating incorrect balance an wrong information with out my consent

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 2022-08-31
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Trying to dispute all these off my credit I have no knowledge of these XXXX XXXX and XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor in the amount of XXXX {$2.00} ) grant and Weber in the amount of XXXX {$3.00} ) XXXX XXXX XXXX in the amount of XXXX {$4.00} ) XXXX in the amount of XXXX $ These are the items I need removed Thank you so much

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 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery called me 20 times this morning which is clear harassment. I called them and asked the why a they denied it. I have the call logs to prove they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Granite Edvance Corporation
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax allowed my social security number and personal satay to leak through an online hack. I am now at risk for fraud due to their poor handling of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: South Coast Doc Prep
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XXXX. XXXX. Claims to help get XXXX  loans forgiven. Asked {$2500.00} plus to do it. Claimed they were operating under the XXXXXXXX XXXX  XXXX act of 2010 and anything that president biden was doing. They wanted debit info etcetera. Checked them online. There were claims of being a scam

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The day last active and the day last reported are all different

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 2017-09-09
Company: EQUIFAX, INC.
State: MO
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:
Company did not inform me in a timely manner, approximately 1 month after discovery, that my personal information within their databases had been comprised. Thus giving me less time to take measures to protect myself from identity theft. My credit report data should have been stored and encrypted properly so no one outside of Equifax 's organization could read the data and this was not done. Now because of this breach my information can be used now or even many years into the future to facilitate identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I attempted to refinance my line of credit with XXXX. I was advised that Bank Of America had reported to the credit bureau that I was late on my account. I made several attempts to contact the bank only getting the run around. I had previously visited the bank before about my account as I made a payment that they stated they returned to me but I never received. On XX/XX/XXXX I visited the bank and was advised that I was behind in my payments, when inquired how, they advised they would send the breakdown of my payments. However, it was reported I was over 90d late. I then inquired where my bank statements were because I paid my normal payment that I had been paying. XXXX instructed me to pay {$680.00} in which I did and advised this would bring me current but still unable to explain why I was not receiving any notices or calls about my payment. I was advised Bank of America the Post Office changed the address of my billing but they did not know why and today still no response or explanation. Bank of America ( XXXX ) removed the late fees charged and advised they would assist with trying to get the late fees removed. I was then instructed by his supervisor to provide him with the information I had, once attempted, the information he provided was invalid. On XX/XX/XXXX XXXX said they should have contacted me about the change of address and gave case number of XXXX.No one has kept their word on contacting back in reference to this issue. Due to Bank Of America sending my monthly statement to another address and failing to contact me via phone, I was unaware my payments were late. In addition they advised they did not have a contact number for me, then verified my contact number but had never called. They are reporting negatively on my credit report for an error they made and failed to make good on.

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 2022-08-31
Company: EQUIFAX, INC.
State: FL
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I wrote and contacted XXXX and XXXX several times. My account was at a zero balance. XXXX chose to close my account when I filed for bankruptcy. XXXX and XXXX were not part of the bankruptcy, and it should not be reflected on the credit report as discharged by bankruptcy because I never owe XXXX or XXXX any money. My account with them was in good standing. General Account Info Account NameXXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusDischarged through Bankruptcy Chapter XXXX. Status UpdatedXXXX  Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$6000.00} Highest Balance {$1000.00} Terms NA On Record UntilXXXX XXXX I have attached proof of what companies were included in the bankruptcy due to me being a victim of mortgage fraud and filing at the advice of my attorney to protect my home until the FBI can investigate the mortgage fraud.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: FL
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and XXXX XXXX XXXX have 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 an 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