BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
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: Information belongs to someone else

Complaint:
There is something crazy with my credit! I made a report a few days ago after I noticed that there are accounts on my credit report that are not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.

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 2022-04-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Improper use of my credit. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been attempting to work with Optimum Outcomes who is collecting on my medical debt. They wo n't provide written communication without me repeatedly calling and they will not allow me to make reasonable monthly payments on the debt. I am given different options each time I place a call and none of them make sense or are reasonable. One persons said that they would let me pay half of the debt owed as a settlement but when I called back I was told that I could only get 10 % off. Then when I attempted to make a payment arrangement of {$50.00} per month I was told that they could n't accept that and they would continue to report me to the credit agencies. I also asked to settle the debt for {$500.00}. They claimed that they would contact the original lender to review this but they never followed up with me so I called back and they said no. I asked for documentation and they said that they do n't provide documentation. I keep getting the run around and I need resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account with CREDIT MANAGEMENT is reporting on my credit report this account doesnt belong to me I sent them a investigation request letter to prove this account, belongs to me, which it does not, and I havent heard anything back. I would like for this to be removed off of my credit profile. $ {$2000.00} in a second account for {$450.00} this account doesnt belong to me please remove them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Portfolio Recovery Associates, XXXX XXXX XXXX, Virginia XXXX XXXXXX/XX/2015 my XXXX XXXX account was seized and all my funds were taking up to {$900.00}. I checked my online banking and seen where XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX had taking all my funds. So, went to my locate branch and i was dumbfounded of what was going on. So, i called the attorney office they advice i was being sued by pra collections. after two weeks i recieved papers from XXXX XXXX where they had seized my accts and why. so, i went to my located court house to set a complaint and set a court date. well, my court date arrive and the judge stated i could n't get my funds back. this credit card i had when i first went to college. i was young and but this was i how survived. well after court the judge state i make a settlement with pra collectons. i called the attorney office and the no longer had the acct so i called pra collections they told me to call the attorney office bc they could n't speak with me about the matter. it was in the legal dept hands. so i was giving the run around. i want a lawsuit against pra for not informing me and the false information gaiving to me and the stress they have cause

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Equidata, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I checked my credit report and notice that Equidata is reporting XXXX tradelines, I never received any notification from them to dispute the debt. I sent a letter to them in reference to them not sending me an early warning notice with a right to dispute and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Asking to speak to our deceased son. 

Refusing to identify the nature of the call. 

This is the second time they have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Firstsource Business Process Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I signed a stipulation of settlement ( attached ) in XXXX of 2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Winklevoss Exchange LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased crypto with my debit card on XX/XX/2021. A few minutes after the purchase it showed that I received a notification that the transaction was cancelled and stated that I should order again. Yet, I checked my bank and it showed the transaction as pending. I figured it was just one of those longer pending cancellations that would cancel in 1-2 days. So, I decided to wait and not try purchasing from them again. 
4-5 business days later, I log into my account and it shows that the transaction had indeed cleared my bank. 

On XX/XX/XXXX. I tried e-mailing customer support and contacting them on social media. I then got a response asking to check if my bank is blocking the transaction. My bank was not blocking the transaction otherwise the transaction would have rejected right away and it showed that it had cleared my account. 

As of today the debit card transaction has cleared, they have my money and now they will not allow me to withdraw the full currency that I paid for. They have stopped responding to my e-mails and DM messages on twitter. There are many others also having the same problems as me. I just want what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Caliber Home Loans, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I hold an adjustable mortgage with Caliber Home Loans. I have an escrow account for my local property taxes with the XXXX Ct. I have made every mortage payment on time. I also have a near perfect ( near XXXX credit score ). Since the loan was transferred to Caliber Home Loans, there has been an extremely frustrating, time consuming, stressful issue with their tax department, which is now sub-contracted to a company called XXXX. For the past three years, there have been at least XXXX different instances of the tax department missing payments, nearly to the point of lien status. This most recent incident did in fact lead to a lien being placed on my property several weeks ago. I have documented over 9 hours of my time being spent in endless phone chains and conversations trying to resolve this issue between XXXX/Caliber and the XXXX. I have written letters to XXXX as well as to the XXXX of Caliber Home loans to no avail. Each entity denies responsibility for the problem, but the most frustrating aspect of the situation is the complete lack of coordination between Caliber and XXXX. Caliber assumes no responsibility for the work of XXXX. Now that the lien has been placed, it will likely impact my credit rating for 7 years into the future, negatively affecting every area of my financial well being. Additionally, I had planned to refinance my adjustable mortgage this year, while rates are still low, which I will now not be able to accomplish. Thank you for helping me to resolve this issue with Caliber/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: AMA Advisors, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX I made an online payment with Homebridge Loan Servicing Inc. and received immediate confirmation of such. 
This payment was not debited from my account and they subsequently transferred my loan to another servicing company. 
I have written and called on numerous occasions and no one has even investigated the matter, much less resolved it. This company is poorly run and has had numerous problems in the past with its web-site and with debiting mortgage payments appropriately, even to the point recently where they improperly debited numerous accounts and had to provide refunds. 

XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Convergent Resources, Inc.
State: NC
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:
I received a letter in the mail, seeming official, from a company identified as Convergent Outsourcing Inc . They stated in their letter, that XXXX had sent me to them, for collections, as I still owed {$890.00} on my account. I do n't know how they got that information, but I was already in contact with XXXX to pay that debt -- monthly as much as I was able. I called XXXX Customer Service and they responded that they had not sent me to any collection agency. Convergent Outsourcing Inc. fraudulently attempted to take payment for a debt they did not own -- if they are indeed a collection agency at all. After a quick online search, I found that Convergent has been scamming people for years. They have no right to collect any money from me, nor do they have the right to contact me in any way. I want them reported to whatever agency is allowed to stop them legally. They are scamming people, and have been doing it for years apparently.

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 2021-03-22
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried several times over the past few years to resolve this matter with NCB and was told it would be dropped from my credit file. I have tried for several months to reach this company by all major credit bureaus and have filed disputes, by phone, letter, and email. but the company will not respond to my request to have this removed from my credit file although I do not owe a debt to the company and the credit file reflects a XXXX negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I submitted payment for the alleged 30 day late payment on my record. The creditor indicated their is no proof for this, thus they can not make an adjustment.

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 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.

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 2021-03-22
Company: CMRE Financial Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CMRE is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX ( XXXX XXXX XXXX ) for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by CMRE. If you look in that CMRE file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXX XXXX XXXX XXXX XXXX insurance company and credit collector CMRE 's fault. 

I have also attatched a screenshot of the tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
It has come to my attention that CAPITAL ONE has fraudulently opened a credit card accessing my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CURO Intermediate Holdings
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Contacted the collection agency about the debt. The collection agency is AD ASTRA RECOVERY. I asked to be sent verification of this debt, but was told that I would have to make a payment in order to receive it. Made a payment and never received verification. Contacted AD ASTRA RECOVERY twice afterwards and still have not been given a verification letter for the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: I.C. System, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted all three credit bureaus told them that there was fraud on my credit that the collections accounts that were on my credit were related to my ex-wife they were her accounts with her information and I had nothing to do with any of it as I was locked up in prison when these accounts opened and put into collections

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 2017-05-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This amount is incorrect it was for phone service and all phones were returned. and service was cancelled. i did report a dispute on  XXXX / XXXX /   2016  and was removed from my   XXXX   credit file, and was also removed from  XXXX , but i spoke to a  XXXX  representative who gave me your information to contact you because they keep putting in my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Media Collections, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XX/XX/XXXX last week from a collection agency called XXXX XXXX XXXX XXXX alleging that I owe XXXX XXXX XXXX  {$69.00}. I emailed them to dispute the debt and they mailed me their 'verification ' of the debt, this letter dated XX/XX/XXXX. The verification is the top page of what would have been a billing statement from XXXX, dated XX/XX/XXXX. 

My issues with this are as follows : As of XXXX, I had already paid my entire debt to XXXX. This was in fact a lengthy back and forth process as they tried for force me to pay to return my equipment despite being in the middle of a pandemic. Over my XXXX years with XXXX, I had numerous ( and documented ) incidents of XXXX throwing random, unexplainable charges to my bill and not being able to tell me what they were for. There was one incident where they charged me a fee, and one customer support agent told me it was for one thing, and another agent told me it was not at all for that reason, and no one could come to a consensus as to why I was ever charged said fee. 

I DO NOT owe XXXX  this money, and I attempted to at least get a copy of the statement they're claiming I owe money on from XXXX and they simply told me " This is with the agency now, you need to deal with them. '' Well, the agency only sent me a header page so I can not see an itemized breakdown of what XXXX alleges that I owe. 

Additionally, XXXX has broken the law by sending this alleged debt to collections. Not one time did I ever receive an attempt to collect it by XXXX. They claimed today via live chat that they 'sent multiple letters'- this is not the case. Not only did they not arrive to my current ( new ) address, but they did not arrive at my prior address either as they were neither forwarded nor did the new tenant contact me about any mail ( she has my contact information ). It is unlawful for XXXX to send a debt to collections without attempting to contact me first. 

This was, again, a pattern with XXXX during the time I was using their service. Several times, in fact, they would add some random charge to my bill, and when I reached out they would claim they " sent multiple letters '' that I never got. They lie. This should be a known fact to you at this point. They make up numbers and throw them at a wall to see if they will stick - and so far in my case, they've won every time. 

I absolutely refuse to allow XXXX to XXXX me into paying money that I simply do not owe them. I want this debt erased and I believe this company should be investigated at the federal level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received calls from multiple debt collection agencies, most recently " XXXX '', on behalf of " Citibank '' for " XXXX ''. I have no accounts, nor have I ever had accounts with XXXX. I have an account in good standing with Citibank with a XXXX balance. The collectors give my name and call my cellphone, but they do not have my address and they give a different social security number and age/birthdate. This is clearly a different person they are looking for. I am not sure where they obtained my cellphone number. I have been explaining this for several years now. I would like this to stop.

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 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to transunion, But i have called transunion a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.

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