BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On or about XX/XX/XXXX, Everbank contacted me multiple times from a blocked or masked phone number to collect a debt, which is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Allied Collection Services, Inc. (Nevada)
State: CA
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:
This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$3900.00}. They have reported used XXXX, XXXX  and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt.

I request that your services remove these infrastructions from my SSN.

I demand this company remove the negative inquiries from my SSN from any credit agencies included but not limited to XXXX, XXXX, and XXXX. I also request that my information be moved from this company 's data base.

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 2017-04-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX /   17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I started receiving collections calls from XXXX  XXXX stating my payment was overdue for the month of XX/XX/2021. I made a payment on XX/XX/2021 and my due date was XX/XX/2021. My payment has not been returned to my bank. I called into Aspire and spoke with the supervisor on XX/XX/2021 at XXXX XXXX  eastern standard time and my issue has still not been resolved. Aspire has the WORST customer service ever. I will pay this credit card off and close this account it is not worth the headache to deal with this company. I would like to request that this company closes my account and I will continue to make payments until this account is paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital one closed both of my accounts without my authorization or consent. 
I would like to be compensated for this error of capital one and have both of my accounts paid off by them for their mistake and negligence and furthermore be compensated for XXXX for this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have been called by Chrysler Capital XXXX or XXXX times over the past 2 months saying that my lease payment is late. Then, they look at my file and realize that they have called me in error ( I have automatic payment set up and have never paid late ). Each representative that I talk with says that they will fix their system and stop calling me. I 'm being harassed and I 'm worried that their accounting problems are going to impact my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In XXXX 2014 I needed to replace my old vehicle. I regretfully purchased one from a dealership which led me to believe that due to my credit situation the financing deal that they got me was the best that can be done. They informed me to revisit them in 8-10 months to refinance. The cost of the vehicle was {$9500.00} at an interest rate over 20 %. Nonetheless, I signed the contract and for over a year and a half, the balance barely declined. I did go back to the dealership after 10 months as well as tried to refinance on my own only to be told that I was upside down. The {$9500.00} vehicle was only worth about {$2000.00}. No one would give me a loan. I was doomed. I feel as though 20 % was outrageous and bordering illegal. I even reached out to the bank on a few occasions requesting that they lower the rate or refinance and they informed me that was n't an option. I struggled and suffered tremendously until I got a break this year and traded in the vehicle for a lease. Of course I still had to roll in the balance owed on the vehicle but I am no longer subjected to an inflated interest rate. I 've never felt so foolish.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Stop placing fraud alerts on credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/1962 SS # 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 2021-04-23
Company: Experian Information Solutions Inc.
State: TX
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 started disputing with the bureaus originally in XX/XX/XXXX ; I have been continuously disputing accounts that no one has ever verified or validated for me! I have requested validations from the bureaus and creditors yet nothing has been provided. After multiple rounds of disputes I finally filed my first complaint on XX/XX/XXXX. This still didn't result in any responses from the bureaus! Gave it a few more rounds of disputes and filed another complaint on XX/XX/XXXX. Yet again, NOTHING from anyone! This is my THIRD complaint! When will the bureaus finally be held accountable for their actions, or lack of actions? This has been ongoing for 1.5 years!

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 2016-10-20
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This reporting service claims to fix errors on my report but they never reflect the corrected version ( s ). The first page of their mailing ( s ), state the correction is made but if you look at the actual report in the same mailing, it does not reflect the correction. 

Personally, I do n't think they have a clue as I have called them over five times about the same issues. 

XXXX advised me to be careful of giving these people any information. 

Also, I fax identification documents, police reports, etc..because of identity theft. They state they do n't have the documents I sent and then all of a sudden, out of nowhere, they find them. 

They are supposed to give me a " Legislative Security Freeze '' but my reports list a " general freeze ''. This allows them to illegally charge me for future lifts of my freeze. 

Because of these tactics they are direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trial modification, approved permanent, signed documents on XXXX XXXX. To this date, Wells Fargo has not returned my documents, I have called Wells Fargo many times, they are to busy it will take weeks before my modification would be finalized.

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 2021-04-23
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and Credeco/ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In early XXXX I had contacted XXXX in regards to a Medical bill on my credit XXXX. I had talked to a lady in the billing department and she informed the details and what insurance did not cover. Said that I had to make the payment of ( I can not recall the exact figure ) which would have been the discounted rate if I had orginally paid it shortly after the er visit. She said she would let the Collection Agency now but I would have to pay it directly through them as it was in their possession. I had requested with the lady XXXX that the negative mark be removed by the agency and she said that would be no problem as long as the account was paid. I call and spoke with Armor Systems and made the arrangments I asked the collector that it be removed once paid and was told " Yeah Sure '' I asked for it be placed in writing and was informed that it could not be placed in writing but would be removed from all the collection bearus that it had been reported to ... A couple months later when it still was not removed after it had been paid I once again reached out to Armor as the reported it paid but did not remove the negative mark. I was told then they would not so I took it up with the CB and still they did not remove it. I call XXXX/XXXX/XXXX was transfered to a woman in the credit department who after a couple mins answered and she did not even ask for my information and had obviously pulled my info off call id. Said that they would only marked as paid asked me hold and after XXXX mins of silence the phone was hung up on their end. I called back from a different number and asked if I could have the name of the female who is in the credit department they said they could only transfer me and after XXXX mins longer the same woman picked up and once I told her my name she placed me on hold for another XXXX mins and once again the line was disconnected on Armor 's end.

Company response to consumer: Closed
Consumer complaint received 2021-04-23
Company: Sequium Asset Solutions, LLC
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXX SEQUIUM ( Original Creditor : 11 XXXX  XXXX  ) XXXX XXXX.. XXXX  ( Original Creditor : 09 XXXX  XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: BAM Management US Holdings Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Binance.US is holding my money hostage and will not allow me to access my funds. They are conducting fraudulent activity and manipulating the XXXX XXXX by allowing big money investors to buy in while they freeze the accounts of many small retail traders and hold onto peoples money for months on end while the asset is tanking and costing people to lose their entire life savings. There are many complaints about this very issue online and on XXXX and many other chat groups and no one is doing anything about it. Binance is one of the richest companies on Earth right now and they are conducting some shady activity that's only affecting us smaller retail traders. This is market manipulation at best and illegal/criminal activity at worse. Either way this XXXX is wrong, and they're costing a lot of stress and damages in peoples lives and no one is doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have previously settled an account with Midland Credit Management in 2014. Of note midland is not the original owner. After speaking with the original creditor it was agreed that the tradeline would be removed from all of my credit reports. I was instructed via letter from the original creditor " We initiated the process of removing the tradeline from your credit history. However, any derogatory reporting of this account by any other lender will need to be addressed directly with the other lender.If you need to provide evidence of the requested change prior to the credit reporting agencies ability to update please provide a copy of this letter '' I relayed this information to Midland Credit Management and they refused to remove their report from my credit reports. It should also be of note that despite the account being settled Midland Credit Management continues to list the account as open on my credit report. It is disheartening to know that an account that has already been deleted by the original creditor is still being reported by Midland Credit Management. 

Midland also is reporting inaccurately across all of the credit bureaus. Information with regards to date of first delinquency, date of account settlement, and status of the account. 

I submitted a complaint to the business consumer alliance. They have attempted XXXX to get into contact with Midland Credit Management. Midland credit refused to respond to the the complaint. The complaint ID is listed below as a point of reference. 
Complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In XXXX of 2020 I became aware that an account with XXXX was reporting on my account in error and notified the credit bureaus. I double checked and both mine and my daughter 's student loans have been completed paid off. Furthermore, I have never had an account with this company nor have I made any payments to them - but it is being reported that on time payments are made. This must be a mixup but this credit bureau has ignored every attempt I have made to correct my file.

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 2017-03-14
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about 40k in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX. Apparently XXXX sold or partnered up with University accounting Services in order to continue stealing students money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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:
I have noticed I have Inquires that I did not authorize reporting on my private and personal credit profile about me which are unauthorized and fraudulently reporting on my file. I was very upset and highly upset about this. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. I filed a Police report and I filed a Complaint with the Federal Trade Commission about this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchased a Blue Bird AMerican Express card for {$20.00} from XXXX. I set up my account with them and had {$850.00} transferred from my checking account to my American Express Blue Bird card. In XX/XX/XXXX American Express put my account on hold requesting a copy of my bank statement. My husband emailed them a copy of the bank statement. American Express said they can not except my bank statement and shut my account down. They refused to give me access to my {$870.00}. I was told I had to wait until XXXX XXXX. On XXXX XXXX I could go to the State of Wisconsin and claim my " unclaimed property '' Today XXXX XXXX, 6 months later the state of Wisconsin does not have any unclaimed property in my name. I called today and was told they can not tell me when my money will go to the state of Wisconsin, but it will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Hello, This is my second complaint about this company. my first company ID number XXXX when they replied to my first complaint they simply lied through their teeth this is a sham company, please put a stop to their corruption. in my attachments you will find emails requesting that they do not check my credit. in retaliation the same company checked my credit 3 times they claim that i never contacted them before, which is a complete lie. all i am asking is for them to correct what they did wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: VA
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 settled this account under the impression that this would be deleted from my credit report to purchase my home. I was advised that after paying it that i was to get in contact with a higher department within XXXX and the deletion would be imitated. The tradline still reflects on my credit report as settled in full and should be deleted.

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