BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes

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 2016-12-23
Company: U.S. BANCORP
State: RI
Product: Credit card
Issue: Other

Complaint:
I recently contacted a credit card company through my bank to apply for credit to pay for a roof that my house needs. I want to know how much credit I will be extended before accepting the card they can not answer without issuing me a card. I do n't see you why credit card companies ca n't tell the customer how much credit they will extend them before signing them onto a new card???

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 2017-05-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX   XXXX   XXXX  had a no interest money back guarantee  with Wells Fargo. T he guarantee was if the  XXXX   XXXX  and product did not work properly then return the   XXXX    XXXX  for full refund. I returned the  XXXX   XXXX  because I was told by  XXXX  that my   XXXX   XXXX   were too small and could not work properly.  XXXX  agreed that the   guarantee was not met and thus they would take care of debt with Wells Fargo.
That is the last I heard of it. I do not owe Wells Fargo an  y money for   XXXX   XXXX    XXXX  in  2014 .     Further, they have and continue to violate  my HIPAA and PHI rights by communicating information protected under HIPAA to many third parties that have not right to any of my protected Medical Information. They have communicated this HIPAA vio lation while I have been on the phone and they are communicating to a third party without my authorization.      XXXX  also continues to communicate with third p a  rties and violate my HIPAA rights. Now we have our attorney working to correct and protect my PHI and HIPAA rights.

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 2020-03-07
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Original loan was XXXX, this loan is to old to be showing on my report as date of loan was XX/XX/2014, due to length loan has been on report and fact the company has transferred this account to another credit reporting company. The original date of loan is now showing current date. This isnt the original creditor so the information is being reported as delinquent when in fact original debt should be removed from report and credit reporting agency is reporting fraudulent information to show negative remarks when in fact this account should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Kingston Data & Credit International Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by Kingston Data and Credit. When they called they did not disclose they were recording me, they didnt state the mini Miranda and they didnt even provide my balance. All of which are not in compliance with the FDCPA. Also they said they would send a copy of the original contract to me and then called me back and left a voicemail stating that they dont have a copy of that and I would need to contact the creditor directly. This was for an anytime fitness membership that I cancelled in the middle of the pandemic when the gyms were closed. Anytime assured me they cancelled my membership then turned around and put my account in a freeze instead which was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Nationwide Credit Corporation in XXXX was assigned to collect a debt from us on behalf of XXXX. We were told we had until XXXX XXXX to pay the requested amount. Nationwide Credit placed a lien on our bank account on XXXX XXXX ( 2 days before the due date ) using methods unknown/unauthorized by us to access our bank account information. We paid the requested tax amount on XXXX XXXX to Nationwide Credit, yet they still went ahead with the lien and held that same amount of money from our bank account - so we were charged XXXX. Our bank told us that Nationwide Credit needed to send a release letter to remove the lien. We requested this from Nationwide Credit multiple times on XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. Each time they promised they had sent it. Our bank did n't receive it until XXXX XXXX and that was only because additional assistance got involved from the XXXX and our banks Litigation department. Nationwide credit illegally put a hold on our bank account in advance of the due date, and then failed to release the funds in a timely or professional manner. 

In addition, if you call Nationwide Credit they will ask you to hold and then let your call drop, they will recognize your number and not answer your call, they will let your call loop through the system and then drop. They will tell you they have sent a fax, but never will, and they will not call you back if you leave a voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management has placed a collection on my credit profile claiming that I owe {$490.00} to XXXX XXXX. I've never had an account with them nor do I owe any amount to that company. On XX/XX/XXXX, Midland Credit Management claimed that they notified the credit bureaus to cease reflecting the collection tradeline on my consumer credit files. Midland Credit Management lied about that. This frivolous collection still remains on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Intelliloan, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XXXX I applied for a refinance loan with a company called Intelliloan , Inc XXXX I have struggled with this company for 100 days trying to get this loan completed only to get a last minute we can't do this loan as it was told to me by a company representative. In order to get to this final position in the loan process, I had to obtain an appraisal for the property in question at my own expense. ( {$1200.00} ) After doing so and going through this long process that would normally take 3-6 weeks I was told that there would be no loan given at this time. This lender was extremely difficult to work with. After the turn down of the loan to me and my wife we decided to go to another lender. I asked the lender for a copy of my appraisal that I had paid for so that I may be able to submit to another lender. That lender gave me a partial copy of the appraisal but NOT a full and complete appraisal so that I may use it with another lender. 
They ( the lender in house legal department ) said that they do not have to give me a complete copy of the appraisal and that all I would receive a what they sent me already. 
I had explained that I wanted a FULL and COMPLETE copy of the appraisal that I paid for or it would be useless to use with another lender. There response was still a resounding ( NO ) I want my money back for this lost expense that I was not allowed to use by this lender. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
for the past 2 years I constantly received phone calls from a company XXXX XXXX XXXX XXXX claiming I owe Toyota {$31000.00}. 

I actually was/did have a dispute with Toyota about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with toyota, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) Toyota told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe toyota {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with Toyota. 


Yesterday I though I'm going to have a heart attach, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm XXXX XXXX XXXX XXXX which was the plaintiff for Toyota. 


How can such a thing happen, and how can they get away with this!!

# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served?

# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be  {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a validation letter to Phoenix Recovery Group on XXXX XXXX, 2015, requesting information regarding an account they claim I owe them. I received a response from the collection agency however they failed to provide proof on the account they claim I owe Phoenix Recovery Group. Therefore on XXXX XXXX, 2015 I responded to Phoenix Recovery XXXX requesting additional proof the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed that National Credit Adjusters has placed a collection on my credit reports. This is a debt that I DO NOT OWE and is not mine. This alleged debt was recently removed when it was owned by XXXX   XXXX. I am sick and tired of this debt appearing on my credit reports and tarnishing my credit worthiness. Neither of these companies have provided proof that I owe this debt because IT IS NOT MINE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: LEXISNEXIS
State: AL
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: Public record information inaccurate

Complaint:
These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have refused to delete this information from my reports resulting in my credit profile suffering tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Commercial Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On  XXXX / XXXX /   2017  I received a phone call at my job fro m CRS and Associates. T he man on the line advised me that he had 'my file ' in his office. He then went on to recite my social security number. My calls at work are recorded at all times, so this was extremely unacceptable. I have never heard of this company, nor have I given any consent to contact me at work. This company is extremely unprofessional.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payments about 52 days. I called my personal relationship manager at  ocwen loan servicing because I was concerned. She informed me that ocwen would accept payments as long that they were made before 89 days. I still had 37 days to work with. A few days later I called my relationship manager to ask her a question and at that time she said you only have 2 days to make a payment. just 2 days ago I still had 37 days before ocwen would not accept a payment. I could not believe what I was hearing and I could not make the full payment then. I could make the payment in 5 days not 2days. I sent a complaint letter to the research department for ocwen Some time later they wrote back saying your relationship manager did say she was sorry. They did not even address the timeline mistake for payments. They ignored all that was talked about between me and my manager about the timeline for payment, nothing. I was so upset. Sometime passed and I Applied for a repayment  plan. Ocwen approved it so I had to e-sign and transfer a down payment to them within a certain timeline. I completed what they asked for before deadline. Then on the day of the deadline I called ocwen to check in with them and they told me that repayment plan was canceled because of nonpayment. Again I could not believe what I was hearing! I sent them proof of payment and some time passed and they realized they lost the money. Meanwhile the mortgage payments are accumulating. During this time my mortgage was moving from ocwen to phh mortgage. Today Friday XX/XX/XXXX, I was denied a mortgage payment modification. Ocwen and or phh mortgage owe me a fair mortgage rate for what I have been going through with them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
it showed XXXX dollars and then it went up to XXXX so I dont understand how I didnt know at first but then all of a sudden I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: GA
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:
There is incorrect personal information on my credit 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 2020-03-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My husband and I got a mortgage from XXXX XXXX XXXX XXXX in XXXX Ohio. We applied for a 30 year fixed rate mortgage in the amount of XXXX back in XX/XX/2016 to consolidate some mounting debt. Our home was already paid for and had clean title. So all we wanted to do was get equity out of the home to do that. We were told that they don't offer fixed rate mortgages. We didn't know about fha loans at the time. So we were given a 30 year adjustable rate mortgage. Also we applied recently for a refinance through another lender to get a fixed rate mortgage, just to find out that XXXX XXXX XXXX XXXX isn't reporting the mortgage to all 3 credit bureaus. My husband can't get a credit card because he has no credit on Experian and we have been paying on our mortgage for 3 years now.

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 2021-02-19
Company: TD BANK US HOLDING COMPANY
State: AR
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:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME TD AUTO FINANCE XX/XX/XXXX 2 XXXX  XXXX  XX/XX/XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used to have my cell phone service with  XXXX . I closed my account and disputed the final charges. The account was sold two two different collection agencies by  XXXX . First it was   XXXX   XXXX   and then to Convegent Outsourcing. I worked out a settlement offer with Convergent in Early  XXXX , had them debit the monies from my checking account. I then received a letter from them confirming that my debt was settled in full. 15 months later the same collections agency comes back with a new account number and new charges and says I owe more money on the same debt. (   XXXX   XXXX   ) this company claims I owe a debt that is already been satisfied. It 's not valid. It 's also been added back to my  XXXX  credit reports. No one will listen to me. It should be removed.

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquiries be removed.

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 2022-03-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with Credit Acceptance. I have always made my payments on time. For some reason, I realized that this account was tagged as Repossession. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take a look on the account information below : CREDIT ACCEPTANCE CO XXXX Balance {$6000.00}

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