BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-08
Company: First National Collection Bureau, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This debt has exceeded the Delaware statue of limitations for collecting on a debt. The original debt is, I believe at least 10 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I submitting this complain myself because I was a victim of identity theft and some fraud accounts and inquiries are showing on my credit report that need to be removed. I submitted a letter and report to the credit people but they have not removed the accounts I requested its been more than 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Hello. I missed a payment with a company called SpeedyCash. I called them, apologized, and promised that I would pay them on my next payday. I asked them to stop calling me. In spite of my contacting them in good faith and my promise to pay, they have continued to call me even though I officially asked them to stop. I have written them a Cease and Desist request as well. -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Thaxton Investment Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been receiving up to 15 calls a day, at least three visits to my home, and numerous calls from friends and family that is being harassed by Covington Credit. Several weeks ago I had a car accident that has taken me out of work for approximately a month. I have explained to them on multiple occasions that I ca n't pay because I do n't have the income to do so. I have also asked them to stop harassing my friends and family, because I am injured and just ca n't pay at this time. The harassment has just increased and I am at my wits end. Yesterday I received a message from my boss at work and she stated that it was against company policy to receive multiple calls at work and receive mail at our work address. I told her that I was aware of that and she told me then that I had mail at work from someone and had been receiving continuous phone calls from covington credit. I need this madness to stop. It is impeding my recovery and causing great anxiety. This harassment has also put my job in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Veros Credit, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I signed for a 4 year auto loan in XXXX 2014 with an interest rate of 23.99. My monthly payments were {$360.00}, however recently for the past 6 months my payments jumped to {$390.00}. I have NEVER missed a payment or have I ever been late. I do not understand their explanation as to why my payments went up, even though I have full coverage insurance they are still charging g me their insurance fees. I 'm very confused and want my case looked at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the latest of about XXXX Companies wanting to collect money from a " XXXX XXXX ''. The calls have been occurring about every 4-6 months since 2011. There is no XXXX XXXX at this address/phone number. We have turned in XXXX other fake Company in the past because they started using threatening language. Please shut these guys down- they will never get money from us. They are simply annoying now.

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 2017-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Late fee

Complaint:
At the end XX/XX/XXXX for the period XX/XX/XXXX to XX/XX/XXXX we had a balance due of {$54.00} on a Menards Big Card, hosted by CapitalOne. We paid that off by check on XX/XX/XXXX, which was cashed by Capital One on XX/XX/XXXX. 

That was the last we heard from Capital One until - the end of XXXX when we received a bill from Menards ( Capital One ). The balance due was XXXX, but they added a {$25.00} 'late ' fee, bringing the new bill to {$180.00}. By looking up the receipt online, I find we charged {$150.00} on XX/XX/XXXX. We never saw a XX/XX/XXXX bill for that charge. 
I do n't think the late fee was warranted, as we had NO record of owing Capital One any money. Regardless - We decided to pay the bill and be done with Menards and Capital One. So we paid them the {$180.00} through XXXX XXXX XXXX on XX/XX/XXXX, who sent it to Capital One on XX/XX/XXXX. 

Capital One claims to not have received that money until XX/XX/XXXX, although XXXX XXXX shows Capital One took it on the XX/XX/XXXX. 

Now ( XX/XX/XXXX ) we get our XX/XX/XXXX statement from Capital One, where they add another late fee of {$30.00}, plus interest of {$4.00} for a bill that WE paid off on XX/XX/XXXX. 

Checked with the CU, they sent it to the right account, and confirmed when CapitalOne Acknowledged getting the funds. 
Called CapitalOne, they were n't helpful only telling me the CU mailed them a hard copy check, which is what took so long. Cancelled the card and told them to send me a final bill. 

After lodging a complaint with Menards - CapitalOne gave us a refund on XX/XX/XXXX of the late fee 's and interest. My complaint stands however as part of this companies record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HFC, Member HSBC Group, XXXX. XXXX XXXX, XXXX, XXXX XXXX:1. Refinanced my original mortgage, {$140000.00} XX/XX/XXXX and consolidated XXXX mortgage for {$60000.00} into new principal balance of {$210000.00}. Reported the {$68000.00} XXXX mortgage as Charged Off and sold it to XXXX XXXX XXXX XXXX, Attn : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX has me in Collections and the inaccurate information is being reported as Negative and effecting my XXXX Score in a very negative manner. 

2. My original mortgage did not have the provision to pay Real Estate Taxes but HFC paid {$10000.00} to a parcel in the City of XXXX and charged me with an additional {$10000.00} thus increasing my principal balance to {$220000.00}. I have been disputing this fact since XX/XX/XXXX and have not received resolution. 

3. HFC did not report to any Credit Bureaus from XX/XX/XXXX to current and there are ( XXXX ) XXXX days past due on my Credit Report. 

4. I refinanced with HFC in XX/XX/XXXX, paid on time, and HFC did not report new mortgage and reports as XXXX+ days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received several call and letters from Conserve collection agency claiming that I owed {$1700.00} to the US Department of Education. 
I then wrote to Conserve collections, stating that I do not have knowledge of that debt, since I never applied for a student loan, and I requested validation and/or documents proving that I applied for a student loan. 
Conserve sent a copy of an application for a student loan, the information in the form does not match my social security number, previous addresses, etc. 
Apparently Conserve has me confused with another individual, as I never applied for a student loan. 
Conserve continue with their illegal collection activities and demand payment. On XX/XX/2017 Conserve contacted my employer ( violating my privacy ) request personal information and started activity garnishing my salary. 
I wish to file a complaint against Conserve for violating all Credit Billing Acts and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
RUSHMORE LOAN MANAGEMENT SERVICES LLC / XXXX XXXX, Customer Service Representative. This business continues to contact me, about an account that was transferred to them from XXXX XXXX XXXX, this account is in dispute, due to XXXX XXXX XXXX not being able to provide the SIGNED documents on the XXXX XXXX XXXX REFINANCE, that was acquired by them in XXXX of 2008. XXXX XXXX XXXX ca n't provide the information on the XXXX electronic transfer of funds, which was part of the XXXX XXXX XXXX REFINANCE. This account is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Cheek Law Offices, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
wages are garnished as of XX/XX/2015. was not aware until that day. contacted employer and they sent me the court order. all conversations are recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Best Buy Store Card issued by Citibank has been charging consumer a " debt '' protection charge every month. I have cancelled and called the department many times and they always give me the run around or they are out of order having " technical '' difficulties and can not receive calls. I never signed up for this service and they have been charging me for over a year.

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 2022-02-28
Company: CCS Financial Services, Inc.
State: MI
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:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: SQUARETWO FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Cach LLC ; Contacted me at my employer XXXX. I ended up having to speak to a representative once because I answered the phone while working ( that was part of my job title ). The other occasion was calling my employer to asking for me and representitive leaving a number to call back. They have also, found a family members number and called them asking for information about me, luckily they denied knowing me. I have now been sued by them, even though ( through much headache and research ) I discovered the court papers were delivered to a wrong address and sued in a county that I never resided in, but since the papers were deemed " delivered '' ( from what I was told ) I missed any chance proving my case and now facing wage garnishment unless I file bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
calls more than 6 times a day sometimes automated sometimes a rep will call threatening phone calls.Advised Im I a non profit payment plan and still want me to make payments on the side.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon reviewing my credit report I noticed a collection account from Convergent Outsourcing. Im not sure how that is possible as I have never done business with nor have I been contacted by this company about this debt. I have never received a collection notice or right to dispute this debt notice. I dispute this accounts entirety and I am requesting that convergent outsourcing remove this account immediately from my credit reports and cease ALL collection/communication attempts. I have NEVER done business with nor have I been contacted by convergent outsourcing. 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 2017-01-12
Company: HANCOCK WHITNEY BANK
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a member of hancock\ Whitney bank and I needed a document notarized, upon getting arriving which is a branch I visit daily I asked to have a document notarized the guy who knows me as a every day customer turned to the branch XXXX and asked her was the person there she immediately looked at me and asked are you a customer and I stated " well I do n't know you either '' sarcastically due to her viewing the mutual knowing of a customer she witnessed between me and the teller and she further stated let her check for the guy who has the ability to notarize documents. She went upstairs and came back down and asked me what type of document was it and I asked her why because she 's not a notary and is none of her business, and I told her it does n't make sense for her to get in my business and I still have to wait. she said well sir I will view the document and let him know because we have policies where we can not notarized verbatim on bank time any bank related documents. I told Her okay and allowed her to view and read my document waiting XXXX minutes I noticed a guy walk down stairs and XXXX minutes after that he came up and asked how may I help you, I told him I have a document to be notarized he asked what kind of document do I have because they can not notarize certain documents and the only thing they can notarize is bank related documents. I questioned that and he repeated that they are not allowed to notarize bank related documents. I told him well why did the XXXX get in my business when she knew nothing could be done and had I known this I would 've went to my credit union he apologized and stated is there anything he could do I told him no! I feel like closing my account and walked out. I called another hancock branch to understand the validity of what they stated and a guy on the XXXX XXXX branch by the name of andreu broce answered and told me that the document I had can be notarized as long as it was not a bank document in which my document is not. I hung up with him telling him I 'm on the way and I immediately called the branch on XXXX XXXX demanding answers to why I was made to feel broke and discriminated against in which the XXXX made up all kinds of apologies and now I am at the other branch with a motorized paper from the same bank just a different branch and now I feel I was discriminated against and refused a service that was due to me being a member of hancock\Whitney bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Reverse Mortgage Solutions, Inc.
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I inherited a home from my grandmother after her death on XXXX XXXX, XXXX. She had taken out a reverse mortgage on the home before she passed, but when I notified the company about her passing they told me that I needed to submit paperwork to them. I immediately started the process of giving them whatever they needed from me and then they informed me that I to file the paperwork in court. I did so, and sent them all of the necessary documents at least four times, along with the notice of intent that was mailed to me ; stating that we intended to refinance the home. They never sent us back any correspondence, not even a pay-off request letter but started foreclosure proceeding in XXXX XXXX. I was told this from the law firm that they hired to do the auction sale. I received notice of this on XXXX XXXX, XXXX via certified mail from their attorney stating that the home was going up for auction on XXXX, XXXX at XXXX. That stated that they never received any paperwork from me, but I said that this is not true because if you never received anything from me, then how is it that the attorney that you hired to handle the proceedings knew that I was the executor of my grandmother 's estate? They could not answer this question. Then they went on to say that they could n't speak to me because I 'm not authorized on the account. Lastly, as of XXXX XXXX, XXXX I spoke to XXXX at Reverse Mortgage Solutions, and she said that they received some of the paperwork from me but not all of it. I told her that this is far from the truth and that I had just sent everything over again 3 times. XXXX copy certified, XXXX copy faxed, and the last copy regular mail. She then notified me that they would need a request pay-off letter from me, and a letter of intent, along with a request to stop the sale. I have again complied with everything that they have asked of me, but at this time I feel that they have failed to do what they needed to do to ensure that my grandmother 's home is saved. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: PA
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:
I have tried to dispute the negative marks on my credit report on XX/XX/22 by sending a letter to Equifax and they have not responded within a timely fashion or at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: MS
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 am writing to dispute the following information in my file. I recently received a copy of my EQUIFAX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required und er Section 611 ( a ) ( 5 ) (   A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FC RA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   Please provide me with a copy of an updated and corrected credit report showing these items removed.   The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Orde r The following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation