BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against CREDIT CONTROL , LLC for committing identity theft. I have never given CREDIT CONTROL , LLC any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT CONTROL , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT CONTROL , LLC continues its collection efforts, I will file for litigation for actual damages caused and CREDIT CONTROL , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2015-10-13
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX XXXX XXXX, XXXX XXXX of XXXX I requested to have my co signer released from my Discover Student Loans which were originally disbursed and serviced by XXXX, XXXX. 
I received the attached letter denying this request, stating my credit score resulted in the denial for the reasons below. My Credit Score is XXXX which is below average however I have an excellent payment history with Discover and all of my student loan servicers despite the astronomical amount and unbearably high interest rates. My interest rate with Discover is 10.875 %. 
1. ) Serious Delinquency2. ) Proportion of Balances to Credit limits is too high on bank revolving or other revolving accounts. 
3. ) The time since delinquency is too recent or unknown4. ) Proportion of loan balances to loan amount is too high. 
Please see my responses below to each numbered item. 

RESPONSE TO 1. ) There are no delinquencies on my credit report and to the best of my knowledge there have been no delinquencies in my financial history since XXXX. Please see my full credit report attached. 
RESPONSE TO 2. ) I have minimal Credit Card Debt of {$800.00} which is paid on time and I have no overdue balance over my limit. If this is referring to my Student Loan Balances, the balance to credit limit ratio is due to high interest rates SUCH AS Discover 's Rate of 10.875 % RESPONSE TO 3. ) The Time since delinquency is not recent. As previously mentioned there are no delinquencies on my attached credit report which has balances dating back to XXXX. 

RESPONSE TO 4. ) The proportion of my Loan Balances to Loan Amounts are too high because of high interest rates again, citing XXXX high interest rates of 10.875 %. 

CONCLUSION : This application has been denied because of my credit score which has been directly impacted by Discover and my other Student Loan Servicers. Given the predatory policies of these lenders it is almost impossible to achieve an average to good credit score. I respectfully request that Discover takes into consideration my excellent payment history, reverses their decision and releases my cosigner. 
Once my co-signer is released I will have a better chance of refinancing these loans in an attempt to build a more stable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern. 

I am calling regarding loan number XXXX under XXXX XXXX. I am XXXX XXXX and the contractor currently repairing the fire damaged property. I and Mr. XXXX have been trying to get hold of your company for 2 months now pertaining to incorrect 1099 sent to me. In 2019, you sent me a total amount of {$50000.00} for repairs on the property ; however, you sent me a {$64000.00} 1099. 
Please send me the correct 1099 as you are delaying my company filing taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the Capital one Quicksilver rewards card on the Capital One website in XXXX. The card is running a promotion where you receive a {$150.00} bonus after your first {$500.00} in purchases within three months. I for a fact that I applied using the link they told me to because I had the same problem opening a checking account with a different bank where I didn't qualify. I was careful to take every step necessary to fulfill the requirements of the promotion. I then spent the {$500.00}. I did not receive the {$150.00} bonus. I called Capital one and the woman on the phone kept putting me on hold saying the she could not find the problem due to a system issue. She eventually hung up on me while I was on hold. This was after a half hour phone call. This offer is still being promoted right on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found this collection account on my credit report. I have no knowledge of the account and I never received a notice of right to dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Results Unlimited, Inc.
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:
Results Unlimited Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Virginia XXXX, used a Writ of Fieri Facias to obtain my bank accounts. They improperly did so, the lawyer 's they hired to go to court for them used the wrong address on the Writ, I was never served and the Writ says " Not Found ''. " Not Found '' was supposed to stop them from going any further at that point. They have since sent me a copy of this via mail at the correct address, even though my correct address has been in the court documents since the beginning. They obtained my bank account information and sent a lien to my bank over a week before the process server date listed on the Lien Notice they sent me. The Lawyer 's say they are only their stand in 's in court and ca n't help. Results Unlimited says they refuse to remove the Lien unless they get {$1500.00} and a payment plan. They violated my due process rights and are committing fraud by holding my bank account with an invalid lien. They committed fraud to my bank by sending them paperwork that said they had a valid lien when in fact they did n't since I was never served.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to do a settlement on my mortgage because Oc wen/PHH would not modify my loan. 
I made an offer of $ XXXX with a IRS XXXX if needed. we worked on the Settlement from XXXX we had one appraisal in XXXX and one appraisal in XXXX. 
They told us we had to XXXX XXXX, we must get another appraisal. 
All of this is ok but we realized there is a Sale date schedule for XX/XX/XXXX while we are working on the Settlement. 
The first Appraisal was {$200000.00}. ( XXXX ) The Second Appraisal {$220000.00} ( XXXX ) The house needs {$190000.00}. in repairs listed in the appraisal. 

We need time to finish the Settlement. Please stop the foreclosure Sale. 

We never received a notice of the sale from the bank or the bank 's attorney. 
We found out through a person trying to get me to hire them to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been back and forth with this compan y Midland Funding for  an original amount of  XXXX  in which I was forced to make payment arrangements in fear of having a judgement against me. I have attempted to send a dispute letter in which i will attach and resend out to the company again. I have signed no such contract with this company over the alleged debt, nor do they possess anything with my signature. At this point I am asking to be sent a valid copy of any contract that bears my signature to confirm that I owe them anything because as i stated i have no knowledge of this company besides the summons that i received from them. The only contact that I did receive was from a summons that was sitting on my door in which my daughter had given to me.They never responded to my initial dispute letter that was sent out but this one will be sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2015-05-11
Company: Convergent Resources, Inc.
State: WY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Fraudulent charges were reported on my XXXX account. I took numerous efforts to resolve this with XXXX directly. I was told no debt was owed. I then was contacted numerous times by this collection agency after telling them that the account was in good standing. 

After resolving the issue with my own creditors, I contacted the FTC and the XXXX about the issue and made complaints on my behalf regarding the errant reporting done by XXXX as well as the collections agency. I received no calls from the collection agency after until today, XXXX XXXX, 2015, almost a year later. 

I explained again that XXXX errantly reported my account, that I have legal representation and am a part of many customers who were a victim of a class action lawsuit filed against XXXX. I told them that I can not be called during work hours, as it is not allowed for me to take personal calls, and that they should not be contacting me any further. I told them the XXXX time that if they wanted to contact me, they could speak with my lawyer, and they never have called him once to this day. I am still being harassed for no reason about money that XXXX told me I did not owe! Any efforts I made to reconcile the account, I was told I still owed money, even though the justification for the charges were errant ( such as being charged a contract termination fee, when I did not have a contract ), and when I had originally closed the account and talked to the representative, I was told I did not owe XXXX money. Then two months later the debt collection agency contacted me without any forewarning, letter, call or e-mail from XXXX saying I had money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Convergent Resources, Inc.
State: OH
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 check my credit score on XXXX and see a debt from convergent which I have no idea what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account online with a promo code that promised {$300.00} incentive with first deposit of {$500.00} or more. My account was blocked and even after I submitted the required info my account was still not unblocked. Very unhappy with Key bank processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Name wrong on loan I noticed recently my name was wrong on my loan, I contacted bbva and was told to email in a copy of my id and proof of social. I sent my license and XXXX in. A XXXX is a legal representation of social. I was told I need to send in the card. I washed my and I am not going to make a special trip, I live in XXXX ga, to fix something that is not my mistake. Gas is expensive. BBVA is refusing to correct a document legally binding me to a loan which represents an incorrect name, they were argumentative, combative, and not accommodating on the phone. I was lied to repeatedly and the representative and she refused comply with any of my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My Name is XXXX XXXX. This complaint involves many parties ( The Merchant, The issuing Bank and VISA XXXX XXXX, all of which I have filed individual complaints. The party in this complaint is Capital One Bank in what I feel is in violation Claims and Defenses Provision and the Fair Credit Billing act. I have also asked VISA XXXX to investigate Capital One BankThe merchandise purchased was a sofa, delivered during the holidays in late XX/XX/XXXX using VISA XXXX. It was decided that the quality of the sofa was questionable. It definitely is n't 100 % leather as claimed. XXXX before the merchandise was delivered and this was a bigger concern as the hardness of the furniture made XXXX very uncomfortable, exacerbating the XXXX condition. 

After the merchant ( XXXX, XXXX Florida ) failed to listen to my concerns about the quality of the furniture and how it also created an uncomfortable environment, I decided to exercise my dispute rights explaining to capital One the reasons. The Capital One Chargeback XXXX case create was # XXXX. 
During the dispute cycle, I uploading several documents to Capital One 's Transaction dispute center. It was also discovered there was hidden damage under the furniture which the merchant, XXXX XXXX XXXX XXXX in XXXX Florida XXXX failed to address. Pictures of the damage were uploaded to the Capital One Transaction Dispute center as well, but with no response from Capital One. 

In XX/XX/XXXX Capital One found favor with the Merchant and re-billed the charge back. I have paid off the Capital One Balance with the exception of the disputed balance in question. I have closed out the account with the disputed VISA ending in XXXX and have also closed out my other Capital One account. I have asked VISA to investigate Capital One as I do not feel Capital One Honored my dispute rights properly. As of today I do not feel this remaining disputed balance is a legitimate debt due to the quality of furniture and other mitigating circumstances. I do not feel this is a valid debt due to the poor quality and well documented circumstances provided to Capital One. I can be reached at XXXX XXXX XXXX or via email at : XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, the Transunion Credit reporting agency removed XXXX inquires ( XX/XX/XXXX-XX/XX/XXXX ) from report raising my credit score XXXX points. Two weeks laters, they added all of theose inquiries back pushing my lowest score low enough that we wo n't be able to purchase a house. When I called the Transunion to ask them to remove the inquiries, they told me that they did not remove any inquirires. Despite having screenshots documenting that the XXXX inquiries were removed, then re-added, they denied doing it and said that if I wanted the inquiries removed for me to please go back to the creditors.

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 2016-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX I continued to pursue the collecting stolen funds {$80000.00} at Capitalone XXXX branch. In the mean time, I also lost my deposit {$9.00} at this branch. The branch manager XXXX XXXX was extremely hostile to me stating that all my accounts were closed by Capitalone bank, that I am not allowed to access the branch anymore. I have asked him to return my stolen funds especially the huge loss on XXXX XXXX, XXXX stolen by theft XXXX XXXX. He asked my to leave to contact corporate office. I have contact the customer service immediately and spoke with XXXX XXXX, he told me he filed a complaint against XXXX XXXX at XXXX branch to fire him. At this time, I file this complaint again via CFPB to ask my stolen funds to be back. See attached lawsuit. I have nothing to do with this theft bank anymore. DO NOT OWE ME. 
Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : XXXX % based on the lost principle Late fee : {$100.00} per month total {$3600.00} Collection Cost : {$150.00} for 7 times branch visit Time to Spend to Collect : 14 hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX

Company response to consumer: Closed with explanation