BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
Midland indicates that they have charged off a account with XXXX XXXX on my credit report, but aren't accurately reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: BOK FINANCIAL CORP
State: NM
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I was treated with disrespect at the bank in XXXX waited 30 min while teller was on the phone about my drivers lecense. Was not told WHY i was waiting? When i told the teller i was late for work he rudely put his hand up in my face to shut me up. Finally he was told to cash my chk and was done being obnoxiouse and RUDE. IN A SMART ALLEC way he tells me " thank you for your NOT patience!!! Because of his rudeness i will NEVER visit that establishment again. This teller needs to be addressed ... my mother has banked there for years and will be switching banks because of this ONE TELLER!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Blackstad, Hrabe, Kirlorsky, LLC
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$700.00}. I believe I appreciate BHK Financial originally XXXX  XXXX XXXX XXXX accepting money from me over this time. However, I am concerned about damage to my FICO score too to qualify for a home. I am still collecting unemployment and now I am starting school next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Financial Credit Service, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was called by ARA,  XXXX , IL reference an account I paid off in   XXXX  . They threaten to sue me for an amount I did not owe in the first place. They indicated I owed {$2500.00} when the amount owed at the time was {$750.00}. I checked my credit report and the account referenced or amount was not listed my report. Can you assist?    XXXX  phone number is  (   XXXX   )   XXXX . I am resident of the  State  of Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Ac t ( FCRA ), section  623, subsection ( 8 ) ( D ) .   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section  623, subsection ( 7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FCRA  623 ( 8 ) ( E ) ( iii ) e stablishes a time-frame for these issues, and that section  621 of th e FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  1.  XXXX   XXXX     XXXX    This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.

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 2022-04-30
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am having people hack into my accounts changing passwords and forcing me to use the cell phone or telephone to do all my banking. XXXX  XXXX is blocking my online access, XXXX  XXXX  has had passwords changed, and so has Discover. 

I believe my Internet was hacked at my apartment Uncommon XXXX  in XXXX Alabama, I believe its possible that the real estate trust that owns the apartment complex is using it as a data farm and is engaging in illegal activity as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: WorldRemit Corp.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have sent AUD  {$12000.00} XXXX using World-remit XXXX XXXX XXXX No. XXXX XXXX XXXX XXXX on XX/XX/XXXX. Since money was not deposited on receiver 's end until XX/XX/XXXX i asked them to cancel the transaction. Worldremit advertised in their website as a same day service but its been 3 weeks since my money has been debited neither it has been deposited on the receiver 's end nor i have been able to get refund. I have called them almost everyday but they have same answer '' we have not heard anything back from our local partner in XXXX, once we get reply we will inform you ''. 
Is this the right thing to do with customer? I have sent that money to pay the debt in XXXX and interest is incurring everyday and also currency exchange rate is changing day by day. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Since XXXX, XXXX XXXX XXXX has been trying to say, that this debt was mine. It is not. I only found out about the debt after it appeared on my credit bureau. Because it never belonged to me, it never came to my address. In or around XXXX, I started seeing this collection from XXXX XXXX XXXX. I despites it with XXXX XXXX, and it was resolved. Then 6 months later, they sent it to another collection company. And they reported it to XXXX. I disputed it, and there it was also resolved and removed. Then another collection agency got the file and Experian reported it. I again disputed it and was successful. Then again another credit agency reported it and Experian once again adds it again to my credit file. After they already took it off a few months prior. I am repeatedly disputing the same charge from XXXX XXXX XXXX. Now Experian says the collection company certified their collection. This cant be possible, as I have never lived at the address of this dispute. I have never even lived in the city. This is not my debt. I moved in with my boyfriend in XXXX of XXXX. After I rented my home in XXXX. I have not had electric service since I moved. XXXX XXXX XXXX transferred the service to the renter, and closed my account and returned my deposit and I do have a receipt showing it was paid in full. I sent that to XXXX and have had no problems with them regarding this issue. There is no way they can certify this debt is mine, because I know I moved from my XXXX house to my XXXX house. I bought the house in XX/XX/XXXX and I rented my XXXX house in XXXX of XXXX. XX/XX/XXXX, was the last time I had electric service in my name. This has already been disputed and resolved numerous times and I should not have to repeatedly dispute the same collection just because they moved to a different collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a wire to pay off my mortgage with Mr. Cooper on XX/XX/21 per instructions I received by email from Mr. Cooper. And they have still not released the lien. 
I called them on XX/XX/21 and spoke with XXXX, she said she emailed the lien release dept. and she would call me back in a week to 10 days. Never heard back from her. 
I called on XX/XX/21 and spoke with XXXX. She also emailed the lien release dept. 
I called on XX/XX/21 and spoke with XXXX. She transferred me to XXXX in the escalation dept. who confirmed that the mortgage was paid off on XX/XX/21, but that the lien had not been released yet. She also emailed the lien release dept. 

In addition to this problem ... I can't even tell you how many times I had to call them to have them correct the additional principal payments that were made. Needless to say, my experience with Mr. Cooper has been frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit fromXX/XX/XXXX to XX/XX/XXXX XX/XX/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 2022-10-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX 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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 an account without my written instructions. 




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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: NV
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:
My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus..Experian,  XXXX ,  XXXX  and asked them  to show the case as closed / discharged.     I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all   XXXX    bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.

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 2018-05-31
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on XXXX, Equifax and XXXX. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Collection Agencies showing up on my Credit report, and I have no Account open with them.

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: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
To Whom This  May Concern ; Re : Santander I use to speak very highly of Santander but today is a different story. At one point Santander was  a company I respected and was very thankful for. Back in  XXXX  I was in financial trouble and my car was repossessed.  Santander assisted me every way to get my car back and I was able to within 2 months. Fast forward 4 years later, Santander is causing me big problems with repairing my credit and being able to purchase a home for my expanding family. A mistake I made 4 years ago that I have paid tremendously for is still being reported to the credit bureaus inaccurate and negatively. I have made multiple attempts to dispute the inaccurate information being reported by Santander. Santander  did report the repossession back in  XXXX  but every since then they have also reported this as "  Charge Off/ Write Off Bad Debt. '' I  have possession of this vehicle, an  XXXX   XXXX   XXXX . I receive monthly statements fr om Santander and I still make monthly payments to Santander. How could this be a charge off or write off? Usually those are sold to collection agencies, right? As stated before I have disputed this inaccuracy multiples times with all  XXXX  credit bureaus asking for it to be removed but each investigation has came back verified as accurate. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date of the first missed payment that led to charge off, collection, foreclosure or repossession. Reporting a more recent date of last delinquency would be in violation of this Act. This inaccurate reporting has caused an huge negative impact on my credit report and score. Every time I have contacted Santander  about the negative reporting I get no where. It 's been all about money for them and not the fairness to their customer.     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Capio Partners, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Collection Agencies showing up on my Credit report, and I keep disputing them because I never had any business dealing with the Collection Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i was issued a new SSN and done my best to update all credit agency so they are reporting my correct credit score. I currently have a XXXX - XXXX between XXXX and XXXX but not Equifax which is reporting XXXX. I have n't had much look changing my information so Equifax can properly report my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: Borenstein & Associates, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a debt prior to purchasing my new home. That debt was satisfied by the Title company on XX/XX/XXXX. On XX/XX/XXXX I was served judgement papers at my new home which is also my place of employment. I never received any correspondence from this company in the past year since the debt was paid. However it is clear they knew where to find me. They had the new address from the payoff file on the new home. 

When I tried to follow up on this with a phone call I was told that I still owed the debt. I even gave them the payoff information. It was not until after the title company got involved and presented them with proof via the wire transfer receipt dated XX/XX/XXXX that they finally agreed. 

After they received this information I was told that the paperwork submitted to XXXX XXXX County had been filed to satisfy that order. I asked for a copy of this four times before finally receiving that today after having to threaten to file a consumer complaint against them in my forth request. 

This judgement was satisfied over a year ago. Both myself and the title company had issues with them and it took weeks to verbally get a payoff amount. Even then they would not provide anything in writing. This company needs to be shut down.

Company response to consumer: Closed with explanation