BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
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 is not mine

Complaint:
I received a call on my home phone on XXXX/XXXX/2016 from a foreign sounding woman claiming to be from Midland Credit Management, stating that they were debt collection agency and that I had an account with them, originating from a XXXX XXXX Bank and that I had a balance of over $ XXXX and had a payment arrangement that I was NOT honoring. I told the woman I had no idea what she was speaking of and this was the first time I was hearing of this. She knew my information and continuously tried to get me to confirm it but I refused. I checked my credit report right away and seen no such thing. I ended up hanging up on this woman so I could look into the matter. I then looked up the company and called their toll free number. A foreign sounding man answered and repeated the same process with who they were and they collect debts. This time I did give my social security number but absolutely nothing came up. Then I gave them my address and after being put on hold, this man began coming up with a bunch of different accounts that I was in the dark about and asking how I was going to take care of these. I did not agree that they were mine and hung up as his tone got very nasty with me. I do n't know who these people are, their website seems legit, but I do n't appreciate receiving harassing phone calls for debts that are NOT mine. I was also forced to keep providing and MCM account number, which I do NOT have and have no reference to anything of the sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: AMERICAN HONDA FINANCE CORP
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Our XXXX  XXXX XXXX  Acct # XXXX ( fully paid ) was totaled due an accident. XXXX of MI offered us {$21000.00}, which we agreed and paid from personal account towards new XXXX, financed by Honda Finance ( big mistake ). The only way to get hold of Honda Finance is thru phone, minimum 45 to 1+ hour wait. After trying 4 days finally got hold of customer service representative 15 days ago ; still waiting. 
Please have them overnight the lien release to the following address and email the copy to XXXX. XXXX will accept either, whichever is faster : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
Home Address listed with them : XXXX XXXX  XXXX XXXX XXXX, MI XXXX prefer business address above Sincerely, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Total Card, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Total Card from XXXX XXXX XXXX is a good card, but due to a financial hard ship I have a few late payments on the account. I would like a XXXX removal of late fee in lue of my payment of all credit card debt owe on my account. After payment of balance I will keep my card limit below 30 % of the credit limit. I have attempted to call the company be have had extended hold times or drop calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: AR Solutions Inc
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AR Solutions in Nebraska received Judgement against me in XXXX 2015. On XXXX XXXX 2015, the debt was paid in the amount of {$230.00}. ( Paid via the XXXX XXXX Nebraska Courts : XXXX/XXXX/2015 at XXXX Order # XXXX Receipt Number XXXX ) On XXXX, 7 days after the funds had cleared my account, AR Solutions executed a garnishment on my checking account in the amount of {$250.00}. 

First the debt has already been paid, there should be no reason to need an additional garnishment. Second they are citing more " court '' fees to execute the garnishment on a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2018 I received a settlement offer on my student loans. I paid the offer and the company refuses to honor the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2020, contacted the card company to have minimim payment waived due to COVID-19 issues. Saks card services stated, no problem, payment would be taken care of. 
Then get an email for XXXX payment, that shows a double payment due and a late fee assessed to account. 
Contacted company ( XX/XX/XXXX ) to state account payment was communicated and that account payment due is incorrect. After various representatives went through account, acknowledging mishap by rep from XXXX, a late fee was waived but they were not trying to accomodate account properly but instead request payment and stated it was in/going to collections!!! 
Company purposely lied about XXXX payment, then set account up as delinquent, when it wasnt even 30 days past due! 
During these trying times in the country and worldwide, Saks Credit Services and Capital One should be ashamed of themselves. 
The account is being handled incorrectly and in a bias manner! They are trying to get over on my account and set it up negatively with credit bureaus, when that is completely inaccurate!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
on XX/XX/XXXX, I received a letter with the day with control number # XXXX of XX/XX/XXXX, from XXXX XXXX XXXX XXXX, where they state that " we're sorry but, we are not able to provide the auto coverage you requested at this time. '' Also they state that they use Transunion National Disclosure Services. 

I have a insurance Policy with XXXX # XXXX, that I paid in full from XX/XX/XXXX to XX/XX/XXXX. That means that I have a car insurance policy until XXXX XX/XX/XXXX. 

FACTS : 1 ) I DIDN'T REQUESTED OR AUTHORIZE IN ANY WAY VERBAL OR WRITE, TO ANY BODY OR INSURANCE COMPANY TO OBTAIN MY CAR INSURANCE COVERAGE. 
2 ) THAT LETTER OF XX/XX/XXXX, SHOW THAT XXXX XXXX IS DOING A FRAUDULENT USE OF MY PERSONAL INFORMATION TO JUSTIFY A CAR COVERAGE THAT I NEVER REQUESTED 3 ) I NEVER AUTHORIZE IN ANY FORM TO TRANSUNION TO SHARE OR USE MY CONSUMER REPORT. THEY USE OF MY INFORMATION WAS ILEGAL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: NY
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 filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX XXXX website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.

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 2022-05-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt is a result of identity theft. It is from Midland Funding LLC. They state that I owe them {$3300.00}. I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: NY
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 filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX 's website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " PORTFOLIO RECOVERY A ( XXXX XXXX  ) '' collection account on the XXXX XXXX, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021 I requested an increase in the credit limit on my Wells Fargo credit card ending in XXXX. While I recognize I had recently requested an increase, since that time my financial circumstances have dramatically changed since I relocated, started my first career job after graduating from college, and purchased a condominium. On the same day, Wells Fargo issued a denial letter without considering my current credit worthiness. 

My call to Wells Fargo resulted in connecting with a representative who had no interest in helping me through the process to secure the requested increase in my cards credit limit. She never requested the information I was prepared to provide as justification for my limit request. She simply indicated I would receive a letter with a decision, a decision she knew would be a denial without the additional information I was ready to offer. She was abrupt to end our conversation. 

Had the representative shown the initiative to ask for information which supports my current request for a credit limit increase she would have learned : My credit score after taking a hit during my condo purchase process was XXXX I have equity of more than 20 % in my recently purchased condo I am fully employed earning income sufficient to qualify for the increase I requested I have a relationship with Wells Fargo beyond this credit card account Subsequent to that abbreviated conversation, Wells Fargo never initiated contact with me to secure the information I was prepared to provide to support my request for a credit limit increase. Wells Fargo simply moved ahead and denied my request. 

My complaint is Wells Fargo, following the process described above, denied my request without allowing consideration of additional information which supports my credit worthiness for such a credit limit increase. I respectfully request 1 ) the CFPB present my concerns to Wells Fargo and 2 ) Wells Fargo use information about my current credit worthiness to reconsider my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, CapitalOne Bank 's payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( XXXX XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the CapitalOne QuicksilverOne Rewards Card, they offer only to be rejected for the application due to CapitalOne Bank 's corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from CapitalOne Bank 's customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXX  after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT CAPITAL ONE IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

XXXXCAPITALONE DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I got a hard inquiry into my credit made from Barclays Bank XXXX XXXX informed me. 

I need it removed. It isnt me. 

My number is XXXX. 
My name is 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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'm trying to request my annual credit report today and it will not work. After further research, I believe it may be because the addresses I've put in. I have moved around a decent amount in the last few years and can't seem to get any of the addresses I give to verify my identity enough to get the information. Is there some way I can still do this?

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 2020-04-08
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is tried to collect on an alleged debt that was already paid and already removed from all three bureaus of my credit report. I have never heard of this company, nor their attempts to collect this alleged debt until I received notice from my credit monitoring service that I had a new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This is in regards to an account listed on my credit report as : XXXX XXXX XXXX XXXX XXXX XXXX. This alleged debt is past the statue of limitations. Experian continues to report as verified current information, This is also in regards to an improper address that is now appearing on my report as " XXXX XXXX  - XXXX, NY ". This is not a correct address and Experian will not remove. 

I received documentation from debt collection agency that shows this alleged debts original date of delinquency as XX/XX/XXXX. This alleged debt is now past the statue of limitations for collection and is now time barred. The debt collection agency no longer has the right to collect on this debt, therefore they ate no longer permitted to report this alleged debt to the credit reporting agency. The debt collection agency is also trying to report a new address of XXXX XXXX XXXX, NY Which is not a legal address and it is believed they are doing this as a form of retaliation due to them receiving a cease and desist letter from me, due to them trying to collect on a time barred debt, that is past the statue of limitations for collection. 
Documents attached.

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 2020-03-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage Services in falsifying mortgage payment request that are delinquent. They are not my lender. They have sent me numerous invoices in XXXX. The amount due is {$2600.00}. If you call the number, it is clear that it is fraudulent. You only get a recording and no live person answers. They are options to pay with a credit card. Information on the company is as follows : PHH Mortgage XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX Email : XXXX Fax : XXXX

Company response to consumer: Closed with explanation