BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: Blackwater Capital Group LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX contacted my husband regarding a business matter and when my husband asked about the company she refused to provide any information. XXXX XXXX proceeded to contact my in-laws and try to obtain information from them but my husband was at there house and informed XXXX XXXX that she just contacted him regarding her concerns. My husband then called the number provided by XXXX XXXX XXXX XXXX and spoke with a mail customer service representative for BW Group. He informed my husband that they agency was an accounts receivable agency an account was placed with them for XXXX XXXX. The customer service representative stated that legal action was pending against me were a judgement and a wage garnishment was pending, but they wanted to speak with me about handing this account. When my husband requested information about which court the representative them stated that the legal actions was possible but had n't happen yet. My husband mentioned that he works in the legal field and begin to question the validity of the account. The customer service representative then requested which law enforcement agency my husband worked for and after it was confirmed that he worked in investigations the customer service representative then became aggressive and made some derogatory comments. He stated that my husband and mine credit reports were horrible and that we do not pay our bills. He stated that we are no responsible and needed to pay our bills. He stated that they have aggressive ways in collecting accounts and finding information on people. This phone call took place on XXXX/XXXX/2016 at XXXX. When my husband asked for the address to the company the customer service representative refused to provided it and questioned why we needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: SQUARETWO FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Cach llc has failed to verify the {$1200.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification several times, month after month since XXXX 2016. I still have the documents i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, XXXX XXXX ( 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action to file a small claims lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. Cach llc is headquartered in XXXX, XXXX but there is no active status in California according to " California XXXX '' so i 'm not sure who or what should i label as the defendant on my lawsuit due to jurisdiction statute. I 'm ready to take action, I just want the reported debt account to be removed from all XXXX of the credit bureaus, as it is illegal reporting.

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 2021-06-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with XXXX now know as Bridgecrest presently. This company no matter what will report late payments, even when you are caught up.

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I have submitted a few disputes to XXXX XXXX XXXX XXXX 2 accounts in reference to the erroneous, inaccurate and Non-Compliant information that is being reported on my credit report. I have sent in a copy of the credit report showing all the inaccurate information that is being reported and it is still being verified. So, this just let me know that no investigation is being done. The last dispute that was sent in is when I noticed that the account was closed and they are still reporting CO in the 2year payment history. One account is charged off in the amount of {$10000.00} and the other is 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 2021-06-23
Company: ENCORE CAPITAL GROUP INC.
State: CO
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:
On XX/XX/2021 I finally paid one of the debts off to Midland Credit Management, since I am getting no response, can not contact them and they refuse to mail any legitimate, helpful information to resolve the accounts or send any correspondence that is valid. I paid the {$1200.00} XXXX original creditor is XXXX XXXX ). Now they are not reporting that it is paid in full to the credit agencies and still hurting my credit score. I will have to pay the other debt at my earliest convenience, since they refuse to cooperate or act like a legitimate business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage using contour mortgage. My current mortgage company sunwest mortgage gave contour a payoff on XXXX XXXX. I signed the closing papers on XXXX XXXX, 2016. I have my monthly payments directly come out of my checking account every XXXX of the month. I was advised by sunwest to cancel my XXXX payment threw my bank due to the signing which I did. XXXX also calculated per dime payments into the final payoff which would bring the payments current from the date of requested payoff until XXXX XXXX when the payoff check was received. I received a letter from sun West stating my loan has been paid in full dated XXXX XXXX. I am now receiving phone calls from sunwest stating I need to make a XXXX payment. Both myself and contour mortgage have documents paying the loan in full and do not believe I owe a XXXX payment because of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: D. SCOTT CARRUTHERS
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is tied to complaint : XXXX-XXXX  and XXXX-XXXX  The CLOSED and PAID XXXX XXXX account of XXXX was sold of to XXXX XXXX XXXX, who also DBA XXXX XXXX XXXX. 
This company wrong presented a paid debt settled with XXXX  as a NEW debt and Charge Off reported as XX/XX/2021. The phone number this company had on record from XXXX  was disconnected ( according to the XXXX  rep ) and the mail at their previous address of record returned. XXXX XXXX XXXX, XXXX, FL XXXX seems to be the only place to contact them. 

Once again, they not only reported a PAID DEBT as a NEW CHARGE OFF, they claimed that it happened in XXXX of 2021. Lies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: U.S. BANCORP
State: NH
Product: Credit card
Issue: Advertising and marketing

Complaint:
When I signed up for my US Bank XXXX XXXX Credit Card there was a giant ad on the webpage promising me a " last night free '' benefit. More specifically, that benefit allowed a cardholder to receive his/her last night free when booking XXXX XXXX award stays of at least XXXX nights. Enticed by this offer, I signed up and paid an annual fee of {$75.00} in XXXX of 2014. Today, I got my statement in the mail and was told that this benefit is being eliminated effective in XXXX of 2014. I find this to be completely deceptive. US Bank heavily advertises a benefit, gets you to pay an annual fee based on that benefit, and then withdraws the benefit in the middle of cardholder year after the fee is paid. This is classic bait and switch and US Bank should be investigated for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXXXXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX, FL 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 2016-09-22
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
False advertising to get consumers to sign up for credit card. 
The Fidelity Visa card advertises that it gives you XXXX points for every dollar you spend and that you can claim it as gift card, statement credit, etc. However, if you want to actually use it as a statement credit, you wo n't get XXXX points for every dollar spent. I have the documentation if 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 2015-11-16
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
US BANK HAS NEVER SENT ME STATEMENTS FOR AN CREDIT CARD ACCOUNT THAT I HAVE NEVER USED XXXX LIMIT THAT ONLY FEE WAS OWED WAS FOR REPLACEMENT CARD XXXX TO REPLACE THAT I NEVER RECEIVED WHEN I WAS APPROVED UPON FOR XXXX CREDIT LINE.. THEN THEY SEND ME AN BILL AFTER THE FACT I HAD PAID IT AND CHARING ME LATE FEES EVEN THOUGH PAID AND NEVER USED IT.. IN FACT I NEVER GOT ANY STATEMENTS SAID I WAS LATE WOULD CLEAR ISSUE BUT YET STILL ILLEGALLY PENALIZED ME BY LOWERING MY CREDIT LINE DOWN TO XXXX .. WAY ILLEGAL NEVER USED ACCOUNT TO WARRENT DROPPING MY CREDIT LINE..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received anything from this company ( ASSETCARE LLC according to XXXX  ). The report says the original creditor is " XXXX XXXX XXXX XXXX '' in which I'm not sure what health organization that is but I do reside in XXXX Alabama. I have not had any procedures or treatment done and do not understand this collection for {$1400.00} when I have never even received billing ( because I haven't had anything extensive done ). I feel like it is some type of Medical scam. I filed a dispute with XXXX  in which the result came back as " Accurate as verified by filer. '' which I find concerning. It seems like " one word over another ... ..just because ''. It's accurate because they say so? I ask for proof of some sort. If the CFPB reviews my credit report it will show that my wife and I have NEVER missed paying on anything we owe. I will let this process take it's course before seeking legal counsel. I'm not going to be victimized into paying for something from a collection agency that I know doesn't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have various accounts that I do not recognize on my credit report that should be removed immediately

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 2021-06-23
Company: EQUIFAX, INC.
State: LA
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've sent in request to have this account XXXX XXXX Master Card, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a US Bank Mortgage nearly 4 months ago and my loan officer indicated that my file was underwritten near 4 weeks ago and I responded to XXXX questions from underwriter. 

I was supposed to close on my new home in XXXX on XXXX XXXX 2015 and at this stage US Bank is indicating that they can not let me know when my home will be funded and closed. 

Also US Bank has had my file with their compliance department for over 2 weeks and I am very upset and disspointed with the whole process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account has been paid off and its still reporting on my credit. I spoke with the creditor and they said that it would be removed from my report and its still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX I applied for a hafa short sale at Select Portfolio Request request the told me my loan qualified for he HAFA short sale and they would have debt forgiveness and relocation money They told me to hire a realtor to process the short sale He gathered all the documents that Select Portfolio required they where upset that I listed my House with an outside agent from their companyXXXX-XXXX-XXXX we submitted an offerXXXX/XXXX/XXXX BPO completed Value XXXX ( select Port folio said Investor will not take less the {$250000.00} What ) we have a problem with valueXXXX/XXXX/XXXX sent service er update information in regards to Hafa Short saleSelect Portfolio has never sent Counter has never sent us approval to participate/XXXX/XXXX/XXXX submitted counter with repair billrequested a value varianceXXXX/XXXX/XXXX Select portfolio said the Investor they do n't want her on the HAFA short salewould not give a reasonprinciple loan XXXX set aside XXXX Property value XXXX why would they want {$250000.00} we have escalated the file the loan servicer refusing to help they have not been honest with me, they have Not given us Tangible Information, the have been very deceiving with me and deceptive please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Attached is email communication from LoanMart 's XXXX XXXX representative ( XXXX XXXX ) threatening me with a repossession order when I clearly stated to him in writing that the XXXX/XXXX/17 payment was sent via mail XXXX/XXXX/17 ... 

First, and foremost, I 'm a LEGAL tax paying law abiding U.S. citizen, and am NOT going to be communicated with in a threatening demeaning degrading way by ANY individual, or organization, especially by someone with probabe friends, and, or family members who are illegal immigrants over a {$260.00} monthly loan payment sent in later than the payment date. Although I 'm also being assessed a daily compounding late payment interest amount!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Transunion has willfully furnished multiple reports without the written consent of the consumer causing further extensions of my consumer credit and directly caused for strife in my family due to lack of extended credit. This willful negligence that caused strife has caused for separation from my daughters mother. Transunion has since deleted such inquiries as per XXXX XXXX due to the fact Transunion has not furnished me a new report. I have mailed my complaints and demands to transunion via certified mail.

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 2021-06-23
Company: EQUIFAX, INC.
State: NM
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:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation